What ever you do, do not rely on getting approved. Surely after succefully paid off loans within 4 to 5 months I would qualify for #3, NOPE try applying again and declined! and have no idea why. The reference number was 702 the first time. When I called they said it was do to my sales beging down for September. I thought they averaged the whole year? I guess not. Tried again a week later now getting Reference code 624 I haven't called yet to see what that one means. They did say that I get to many friends and family transfers. I told them that is my other paypal account and me sending money over to pay of the loan faster so I can ge another. There is absolutely NOTHING they can do, it is all allgorithum. The computer is in charge of approvals even if you are a great paying, long time customer.
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