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First Credit Cards These cards are those that are targeted towards individuals who are starting to build credit.For first time credit card users, it is likely that they won’t already have credit history – and if they do they have very little.All of these cards typically also carry higher interest fees and lower credit limits.

Instant Approval Credit Cards Other cards that also work in a similar manner in terms of the approval process, are Instant Approval Credit Cards.This is where things, however can get a bit tricky.I was talking to a friend the other day and she is in the midst of rebuilding her credit after her credit rating had fallen quite low due to various financial difficulties.This means that you are not able to demonstrate that you meet the repayment criteria.With this being said, this does not mean that you should rule out being able to get a credit card.

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The provider can use this amount as collateral in case the borrower defaults on the payments.

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  1. If they don’t think they have to pay back what they borrowed, what does that say down the road for their relationship; if they always put the here and now before the there and then, what does that say for your relationship long-term?