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1 u can, but do not necessarily have to, of of u can be the primary, the other can be the secondary applicant, this also reduces the monthly chore of writing check to pay; 2.

credit line will increase gradually after a good record, or on your reasonale request;
3. 1000% line is sufficient for regular life, i would say, but there is no 最合适的额度, coz you want to take luxry cruiser to Alaska, i just want to shop in Zellers. :)
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