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Instead, try to pay your balances in full each month and only charge what you can afford to pay off. This may involve setting a budget, tracking expenses, and making regular payments on the bad loan to reduce the balance.
After you apply, you'll usually find out if you're approved within a few minutes. Personalized service: Credit unions are known for their personal approach to banking, and this extends to their lending practices as well. That means you don't have to take time out of your busy schedule to go somewhere in person.