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For me this is an Other People's Problem.
Years ago I carried a loan with OUR Credit Union, and rolled it over as necessary. I could borrow US$2K on my signature and I never missed a payment. I liked them because they didn't report to credit ratings agencies. But then people wanted to assume mortgages so they started.
Then they went under (prolly embezzlement). My current credit union won't loan anything on my signature.
I've paid cash for the last three or four, but I traded a set of wheels for the Dasher.
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