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A secured credit card is just like a regular credit card, but it requires a cash security deposit, which acts as collateral for the credit limit. Some people believe that you should avoid getting a credit card as they generate debt. Always check your available credit before you make a credit card purchase to avoid going over your credit limit. Your credit score is based on a number of factors. Keep reading to learn about the various ways to check your credit. Credit cards allow for a greater degree of financial flexibility than debit cards, and can be a useful tool to build your credit history. Your credit score impacts your ability to get car loans, secure a mortgage and more. Khadija khartit is a strategy, investment, and funding expert, and an educator of fintech and strat.

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