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How much do they owe to credit card companies? Did they get something in exchange? Why do they owe this money?
I've used it pretty successfully for about year now, in moderation it's a really good idea... However I'm sure with no impulse control will ruin it for the rest of us.
Parasitic so called lending companies taking advantage of the poor, miserable and struggling. Like the parasites they are, they should be shut down.