(9) Divide a transaction into
multiple transactions, as determined by the commissioner, such as by attempting to sell or selling any
publication, including, but not limited to, any book, pamphlet, or electronic or computer guide, related in any way to improving a buyer's
credit record, history, or rating, to a buyer and, directly or indirectly, through any affiliate, subsidiary, related person, or otherwise, providing services to the buyer to assist him in utilizing or implementing the information or directions contained therein, unless all charges and fees related to such sale and service combined do not exceed the bona fide costs for publishing the copy of such
publication.
If your own personal accolades are not enough, the Sapphire Preferred has also won
multiple awards for being the best flexible travel rewards
credit card by leading
publications like Kiplinger's Personal Finance.