I bank with Lloyds and recently I've been bombarded with offers of loans and extra credit cards.
Thank goodness I can manage with one credit card - just about, but it does annoy me. No wonder many families and individuals are in debt, cards maxed out etc.
I suppose the banks do it because they thrive on the interest.
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What do you think about my situation?
Why does the usa not need a department for education at central government level?


