mate oh no you have to compete an application for credit? Seriously. You lost me there.
it ruins your credit file? No it doesn’t if you borrow responsibly and don’t go to Harvey Norman 790 times trying to get an interest Free ge card with poor credit. So unless your credit is shot why would you have too many applications to negatively impact your credit?
i like zip hold zip but really the moronic drivel some people are throwing out is a joke.
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