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: It is hard to find one with a low interest rate, so you should stick with one to build credit.