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Use credit wisely: If you do have credit, use it responsibly. 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.

If possible, it may be a better choice to seek alternative sources of funding, such as a personal loan or a cash advance from a bank. Peer-to-peer lending: Peer-to-peer lending platforms allow individuals to borrow and lend money to one another without going through a traditional bank.