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Agreed. I still find it hard to admit that I was once naive enough to sign the form without reading the fine print. I was in college and the Citi used two attractive co-eds and the promise of free pizza to lure me into applying for two credit cards I didn't need.

My fault, I know, but I would still have liked to have been informed earlier about the predatory practices of these banks before I found myself with 0.00% APR for the first six months, 17% after that, and 27% after my first late payment.

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