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Many people -- especially undocumented workers, the very poor and ex-offenders -- feel they can't open a checking or savings account for one or more reasons.
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Credit cards in general are a very useful tool as long as you realize that you should only spend the money that you already have in the bank or on hand to pay the credit card off.
In determining whether payments fall due in substantially equal intervals, a lender may disregard that dates of scheduled payments may be slightly changed because the scheduled date is not a business day, that months have different numbers of days, and the occurrence of leap year.
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