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If you have to go over the 30% for an emergency, make a payment before the bill is due to get back under so it will report as under 30%.
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The Bureau seeks comment on this proposed exception.
If you are shopping online and can't find the APR and the finance charge, visit lenders in person.
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You could ask a friend or relative for money, pawn your valuables, or visit the neighborhood payday loan store.
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