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History at all, a secured credit card may be easier to get approved for than a traditional credit card. Wait for approval: The lender will review your application and determine whether you are approved for the credit loan. Additionally, carrying a high balance can damage the loans borrower's credit score, as it can indicate that they are overextended and may have difficulty repaying their debts.

These platforms may be more willing to lend to unbanked individuals who may not qualify for a traditional loan. One of the credit main advantages of obtaining a loan from a bank is the potential for a competitive interest rate.