Why didn I receive the lowest annual percentage rate available, highest credit line, or other program features?

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Why didn I receive the lowest annual percentage rate available, highest credit line, or other program features?

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CIT Bank, the lender, determines the rates and credit lines that apply to each account based on its underwriting guidelines and the applicant’s creditworthiness. All qualified customers may still be offered financing in which there is no penalty if the amount financed is paid off early. Additionally, the total finance charges paid can be reduced by increasing the amount paid each month.

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