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And its going to get much worse. All the card companies are already or will soon start sending out letters that say blah blah you have to accept these new terms (rate goes to 30% or w/e) or you can choose to reject these terms and your account will be closed.
Which means they will close their account if they actually read the letter or their rate will balloon to 30% and they will default and then lose their account.
It's going to get much worse.
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