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[AmexFan]

http://www.parade.com/articles/editions/2008/edition_01-13-2008/Intelligence_Report

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Remember, though, that social loans are as binding as bank loans. If you default, you’ll be hounded by a collection agency, and your credit score will drop.

[j9359]

I thought this was interesting.
“The loans can also be particularly valuable to people who are at or close to their existing credit limits.”