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Here is the deal... it is harder to get a cc than a loan...
logic behind it...
If you get a loan for a house.. bank has something to take away if you don't make payments, sell it and still probably make money..
however for the cc there isn't much they can do.. you don't own your car yet.. you don't have any equity they can go for, all they can do is take away points from your credit rating and these days there are more people that don't care about that than the one's that do...
good logic behind it and i aprove of it!!!
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