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- Purchases: We do not charge interest on purchases during the interest free period, as detailed above.
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Note I still continue to make monthly payments on the other loan and a small amount in this loan that is currently in delinquency.
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Not doing so will cause you to forfeit your item or extend the loan which will carry additional charges.
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Staggering effective dates in one of these ways may increase to some degree the utility of the consumer reports that lenders would be required to obtain at the point that the requirements become effective, but may add complexity to implementation of the rule and would involve other tradeoffs.