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The banks don’t want you to know that debt is a contract you can change to lower monthly payments and become debt free fast. See, when someone signs up for a credit card or a personal loan, they agree to the terms and conditions. Notice that it’s TWO words... Terms AND conditions. The TERMS part of the agreement is how the banks make their money. It goes over the: -Credit limit -Monthly payments -Interest rate -And what happens if even a single payment is missed However, the banks will NEVER tel
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