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"I have balances on 3 credit cards that each charge over 25%. I want to get a loan with a lower interest rate to pay off the cards, but my bank turned me down because of my credit. Is it...

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"I have balances on 3 credit cards that each charge over 25%. I want to get a loan with a lower interest rate to pay off the cards, but my bank turned me down because of my credit. Is it...

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