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Using a secured credit card responsibly can help you build or rebuild your credit. It's generally a good idea to keep your credit utilization below 30%.

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Moreover, doorstep lenders may use aggressive sales tactics to persuade consumers to take out a loan, even if it is not in their best interest. Banks may also have more stringent eligibility requirements than other types of lenders, which could make it harder for some borrowers to qualify for a loan.