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@k-s wrote:
Armbenderc- Oh, don't worry about that! You think the 20 yr old girl filling out your app cares about your credit scores? I wouldn't apply if you really think you'll be declined (just because of the wasted HP), but if you think you have a shot, I'd say go for it and hold your head high even if they say no.
I'll wait for a while. I just opened OCCU Duck Card.