sentence1: you know very rarely do you receive one that has a real low interest rate they're always more expensive and they uh you know if you stay if you stay with a good one for the while you get a good credit rating and you get a good um a good credit line so you don't like to i don't like to bother with it yeah
sentence2: Low interest rates are easy to find, so you don't have to worry about maintaining your credit score.