They have already set up automatic payments. , He hasn't finished his taxes yet. , Jack has made payments on time for two years. , Mandy has had an account with Wells Fargo since 2002. , Melissa has never had a credit card. , Have you ever applied for a loan? , Has Chris paid the utilities yet? , How long have you saved for a new car? , How long have you been retired? , Have you already canceled the Netflix subscription? , Have you checked your credit score before? ,

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