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Which 2 problems does the Pay down credit card workflow solve for clients? It provides a lower rate than most credit cards to qualified small

Which 2 problems does the Pay down credit card workflow solve for clients?
It provides a lower rate than most credit cards to qualified small businesses
It ensures that payments to credit card accounts are categorized correctly
It uses language that non-accountants can understand
It helps them stay on top of making payments on time
It provides a higher credit limit than most small businesses can get
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