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The provider can use this amount as collateral in case the borrower defaults on the payments.In Canada, for example there are a variety of Secured Credit Card options.The CIBC bank offers a card that is geared towards individuals who need to begin establishing their credit.However, she needed to take out another credit card to help make payments as well as a method of re-establishing a credit history.The thing about bad credit is that in many cases, banks and credit card companies will deny you a credit card because they view your application as too risky.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.

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While it is true that you may have fewer credit card options – there are still some providers that will issue you a new card.A suitable credit card that is popular in North America, yet what my research tells me is that it is not available in Australia at this time – is Secured credit card.

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