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Unless the credit stipulates that it is available only with the issuing bank, all credits must nominate the bank, which is authorized to negotiate. In a freely negotiable credit, any bank is a nominated bank. Thus, the negotiating bank may be specifically nominated by the credit or any bank where credit is freely negotiable. [link widoczny dla zalogowanych] There is a reason why it is called bad credit loans. It is simply being able to seek a loan even if a person has had a hard time repaying that loan or if it took longer for that person to settle a debt.
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