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How is the fee only $4? Are you taking interest into consideration? $87 x 12 months is $1044. You'll pay $144 more than the $900 you charged. That's what, about 16% interest? In the scope of things, $144 over a year isn't a lot of money but why do it?
Plus the amount of money you owe makes up 30% of your credit score.
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I thought I was a good person but the way I react when people drive slowly in the left lane would suggest otherwise
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