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Bank interest rates are what you have to worry about and understand how it will affect you before you sign up for that bank loan. As a tradition bank lending rates are usually ridiculously high while bank savings rates are very low. In other situations it may be better to take a bank loan than a credit card. If you have a good credit and regular income you can benefit from a credit line loan which usually has a lower interest rate than a credit card or a any other bank loan rates. Credit card rates for the regular card holder are also high and as much as 30% with store issued credit cards. bank mortgage rates also tend to be high and depend on bank lending rates. Savings account rates at traditional banks are low. Some innovative bank are offering better savings rates without charging account fees, which are charged at the traditional banks savings accounts. The bankrates are what you have to watch out if you want to end up with some money in your pocket and not simply enriching the banks. Have you also noticed that account fees can really eat away at your money?
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