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Re: My God, you are an idiot.
Quote:
Originally Posted by Adder
The difference is that you have to pay the credit card or student loan eventually, which means at some point there is a reversal of the psychological effect from which the consumer can learn.
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You have to pay one eventually; the other is just a phone call to your local bankruptcy mill away from disappearing. It's a *huge* difference.
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never incredibly annoying
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