It will pay off in the ST as well, the identity and security issue is negligent in that they are employed by govt, so therefore the 3500rm should be the basis.
Everyone is a consumer if something, be it meals out, drinks, jewellery or vehicle services to large purchases, having the repayment options is the key driver especially for the zero interest component.
Nice balanced thoughts, we could chat about this more in another time n place.
$1 Club, page-24676
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