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Seeing that you have a '91 TT, you'll need a patch and repaint of your hatch to put either of those spoilers on. And in addition, you'll need the 94+ third brake light panel. But if I were you, I wouldn't use the credit card. Or use only what you can pay back. Like you've stated, you can go into deep debt if you're not careful. That is exactly the reason why Congress is working on a bill to make credit card backers responsible for educating the cons of credit cards.
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