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With the economy improving but consumers remaining tepid about spending, banks are getting more creative and more competitive with wooing and keeping customers. “If you’re not happy with the card you have now and its rewards, it’s a really good time to find deals on new cards,” says Matt Schulz, senior industry analyst with CreditCards.com. Last year, 42 percent of those who changed credit cards did so for a better rewards program, according to a report by J.D. Power & Associates. Spending money