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This may include your name, address, phone number, employment information, and bank account details. So, for example, if your credit limit is $10,000, you should aim to use no more than $3,000 of that credit. 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.

That means you don't have to take time out of your busy schedule to go somewhere in person. The fees and interest rates associated with these loans can be very high, and you may end up paying much more than you borrowed.