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If the consumer continues reborrowing during the term of or shortly after repayment of each loan, the pattern suggests that the consumer's financial circumstances do not lend themselves to reliable determinations of ability to repay a covered short-term loan.
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You should always shop around for the best rate.
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See the list of unwanted goods/waste that you could turn into cash below.
Credit CardGift Card
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Decide to go with a lower rate instead meaning but be a risky investment so you stand.
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You need enough sufficient home equity to both borrow against and leave an adequate cushion afterwards.