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Ouch, that is not good. I hope that your friend can solve this problem.
Tell you about my experience, We were so tempted about credit cards. We end up 8 different. They hurt our credit report so bad. We swore that we will never sign and get new credit card forever. We don't have any credit card for 3 years. That is good for us. We don't want stuck with credit card bills and dont want leave them to my kids if we die. We are anti credit cards. lol
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