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You're pre-approved!

Every time I get a spam snail-mail from a bank or credit card company telling me I'm 'pre-approved' for some loan or another, I keep in mind that the prefix 'pre' means 'before' - so, pre-approved means that you are not yet approved. Your loan is in the 'pre-approval' state: before approval.

It's a word game. A weasel-word. A slimy form of disclaimer - so, if you don't have adequate credit, they won't be legally bound to give you a loan.

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