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I don't like a damaged reputation too. Especially when taking loans from apps. Those people can access your phone contacts and start informing them about your loan default.There is nothing that I fear like a damaged reputation. That is why I don't like sleeping on loans. I make sure I pay them as soon as possible.
Taking a loan amount that three times less than your income helps you to pay back the loan without stress.The trick in paying back loan is to take the ones you can easily make money to pay back. You would never fail with the payback