The New Phrase In Polish: Charge It

Auto loans and plastic fuel a spending spree

Jola Kielan breeds Black Russian terriers. Until lately, the 46-year-old native of suburban Warsaw, an accountant by profession, had trouble getting the huge and feisty animals to and from shows. But last May, she bought a new four-door Rover compact for $10,500, with a 30% cash downpayment and a three-year loan at 38.5% from Bank Zachodni. A week later, Kielan drove her terriers over to Brussels, where they placed best in show for guard dogs.

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