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When you are looking for a place to get your next credit card or auto loan, why not look to a credit bank? They have the know how and the experience to meet your financial needs. If you already have a relationship established with a bank, you may want to apply with them. Some banks offer discounted rates to current customers. It also may make the lending process simpler since they already have experience with you as a customer. In addition, if you have a checking or savings account with them, they may be able to give you a discount for automatic withdrawals for your monthly payment.