hahahahahah the only way you can be late with apt is if you dont have money in your account
the only way you can be late with credit cards if you dont have money in your account
the only way you can be late on your mortgage and your home can be repossessed is if you dont have money in your account
hahahhahahah the apt bulls are just bonkers. If you are late with APT you get charged up to 25% of the value of the item for being a few days late, and somehow thats better than CCs which are 25% over a year
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