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disheartened

trying to be a good MSE-er and doing some financial housekeeping. Contacted cc provider to ask for interest rate reduction (currently 21.9% eek) to be told that is the only rate they can offer me. No chance of getting a new card, and now Creatcard are closing and they are putting me onto a LTSB platinum at 14.9% instead of 11.6%. So feeling a bit folorn and useless at the moment.
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