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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 give borrowers peace of mind and confidence in their financial decisions.
One option you might consider is a secured credit card, which requires a deposit as collateral. As a result, they may be able to offer lower interest rates on personal loans than banks or other for-profit lenders. These might seem like a good idea because they come to you, but they can actually be risky.
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