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21/03/20
12:03
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No. Main difference was with lay-by you had to pay for the thing 100% before you got it.
But I do buy stuff on credit card and pay off at end of month. I don't consider that a loan in my case.
But kinda splitting hairs.
All depends on how peeps use the credit.
APT I suspect they are stretching their $$$s and eventually gonna run short.
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