没有，您需要的做法，自我克制，如果您想要让您的良好的信用评分。
No, you need to practice self-restraint if you want to keep your good credit score.
国外对此已有比较成熟的做法并取得良好的效果。
There are many mature ways about it abroad, which have already turned to be good.
国外对此已有比较成熟的做法并取得良好的效果。
There are many mature ways about it abroad, which have already turned to be good.
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