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Open Question: how do i get a personal loan on bad credit?



i just applied a loan for $13,000 to consolidate my credit card debt

i have bad credit. so i dont expect a yes from citifinancial. but just wondering if its doable to beg and plead them over the phone and maybe they’ll at least reconsider giving me some help? is it worth it? or is it like a NO and thats that, period. regardless of what I say it wont change things?

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