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Yo bro just swap it to visa , im pretty happy with visa don't know what you all cry about , if you don't pay on time its reasonable that the banks will tag you as bad client that doesn't pay on time so other issuers will not give you the ability to spend something you can't afford ti pay in the end .

check DataWallet it's a good blockchain solution helps you to gain tokens as someone else use your data i heard there are couple of new ico coming up to try to "Solve" this problem of data trading ...well lets see how its going