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If they say up front that's what's going to happen, I don't see the problem. Yup 29% is outrageous, but you know that when you get into it. If there's any doubt that's you'll pay it off, you don't take the deal. If you can't get any affordable credit, then you take the bus.
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The most difficult thing is the decision to act, the rest is merely tenacity Amelia Earhart
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