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Doorstep loans often have very high fees and interest rates, which can make them hard to pay back. Only apply for credit when you really need it, and try to avoid applying for too much credit at once.

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One of the virginia main benefits is the potential for a lower interest rate, which can result in lower monthly payments and save the borrower money over the life of the loan. So, for example, if your credit limit is $10,000, you should aim to use no more than $3,000 of that credit.