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상환하지 못할 경우 연체료가 발생하며, 신용등급이 하락할 수 있습니다. 장기 연체 시 법적 절차로 이어질 수 있으므로 상환 계획을 철저히 세우는 것이 중요합니다.불법적인 방식의 신용카드 현금화(예: 카드깡)는 법적 처벌 대상이 될 수 있습니다.이왕이면 자신�
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