What's the book corporate America doesn't want you to read? Find out now -- or you could get scammed.

SEA MILES

Stuart Harstrom applied for a Carnival Sea Miles MasterCard in 2004 and used it for most of his purchases, hoping to redeem his points for a “free” vacation. Then the cruise line pulled the plug on his plans, he says. His story is a cautionary tale about vague promises made by loyalty programs, imprecise wording on Web sites, and the fleeting nature of points.

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