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1. She said, “Future bankrupts always pay the minimum shown on the statement.” They think they’re being responsible, but in reality the debt keeps growing. The client believes they’re “covering the loan,” while the system already flags them as high risk. The longer this pattern continues, the harder it becomes to escape, because interest quietly eats everything. 2. Constant card-to-card transfers are another red flag. The person keeps moving money just to survive until the next day. For the bank