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Use credit wisely: If you do have credit, use it responsibly. Keep your credit utilization low: Credit utilization is the pa amount of credit you're using compared to your total credit limit.

Using a secured credit card responsibly can help you build or rebuild your credit. A cash advance on a credit card is a service that allows cardholders to withdraw cash from their credit card account. Using a secured credit card responsibly can help you build or rebuild your credit.