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Using a secured credit card responsibly can help you build or rebuild your credit. This may include proof of income, such as pay stubs or tax returns, as well as information about any outstanding debts or assets.

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Overall, getting a loan from a bank can be a good option for those who need to borrow a large sum of money or who want to take advantage of a low interest rate. One of the loans main advantages is the lower cost. 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.