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Ill bet if you GO to the bank vs calling or using an internet bank you get an even better loan!

You are super handsome BTW.

Are her cards in her name? Are your cards in your name? Are your cards joint? You need to be listed on the cards as a 'joint owner'. NOT just an authorized user. What is your total available credit? Do you have too much capacity? Too little? Do you carry balances? Whose name is the...