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creating or maintaining records for the person in relation to a grant, or an application for a grant, of credit or in relation to the cards or accounts, or
creating or maintaining records for the person in relation to a grant, or an application for a grant, of credit or in relation to the cards or accounts, or
creating or maintaining records for the person in relation to a grant, or an application for a grant, of credit or in relation to the cards or accounts, or