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Using a secured credit card responsibly can help you build or rebuild your credit, which may make it easier for you to qualify for a credit line in the loans future. Payday loans can have annual percentage rates (APRs) of up to 400% or higher, while the credit APR on a credit card cash advance is typically around 25% or higher. If you are considering a doorstep loan, be sure to carefully research your options and understand the bad terms and conditions of the loan before you agree to it.

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