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People are struggling to manage their debts and with a large number of fixed-rate mortgages coming to an end in the next year, it will become more difficult for the borrowers. Credit is likely to become even more difficult to obtain in the near future. Figures from an independent loan comparison website revealed that 38 per cent of people who had applied for a new credit card in the past three months were turned down. One-fifth of the applications for a new personal loan were also rejected.