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It's generally a good idea to keep your credit utilization below 30%. Consider a secured credit card: If you have a poor credit score, you may have a difficult time getting approved for a traditional credit card.

Overall, there are options available for unbanked individuals who want to access a credit line. As long as the ohio borrower makes their payments on time and in full, they can demonstrate their ability to manage debt responsibly, which can have a positive impact on their credit score. Learn more about managing your credit and improving your credit score.