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7y
Same here!
Quite often I'm contacted by email, credit reference agencies or my bank , saying that I've been preapproved for a loan. Some of them say a decision in 5 minutes, but the interest rate is stupendous - most think I'm an idiot.
Always, I go for zero % percent interest rate credit cards.
RE: Negative Rates: Bankers Enticing You to Become a Debt Slave.