text: you know very rarely do you receive one that has a real low interest rate they 're always more expensive and they uh you know if you stay if you stay with a good one for the while you get a good credit rating and you get a good um a good credit line so you don 't like to i don 't like to bother with it yeah
  
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  Low interest rates are easy to find , so you don 't have to worry about maintaining your credit score .