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[–] lyin4rmu 0 points 1 point (+1|-0) ago 

I think the CC figures are off since a person with good credit would usually pay of the balance every period thus not having to deal with the interest while a person with bad credit usually got there because they leave balances on the CC.

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[–] daskapitalist 0 points 1 point (+1|-0) ago 

True from a behavioral standpoint, but it's good to use the same repayment behavior for an apples to apples comparison