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In other instances, a minor may purchase tobacco illegally by using false information and/or an adults credit card without the adults knowledge or consent

According to the American Cancer Society, nicotine replacement therapy gives you nicotine, but not the other harmful chemicals in tobacco. Nicotine replacement therapy users may be classified as either tobacco users or non-tobacco users depending on the specific insurance company

Theyll use stronger chemicals and industrial cleaning methods that a typical consumer simply cant find elsewhere

Stricter underwriting: be prepared for a more rigorous application process with detailed financial scrutiny

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