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And if you live in a rural area, it can be hard to find a traditional lending place nearby. So, for example, if your credit limit is $10,000, you should aim to use no more than $3,000 of that credit. This can be done at an ATM, bank, or other location that offers cash advance services.
Work with a credit counselor: If you're having trouble managing your credit, you might consider working with a credit counselor. This can be especially helpful if you are facing financial difficulties or are unable to make regular monthly payments.
History at all, a secured credit card may be easier to get approved for than a traditional credit card. More flexible repayment terms: Credit unions may be more willing to work with you to find a repayment schedule that fits your needs and budget.