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My Credit Score Is Low — Can I Get Plastic?

A secured credit card may be the answer, but there could be fees

Q. After I lost my home to foreclosure, my credit cards were canceled. I’m having trouble getting new plastic. What’s my best option?

A.  Think about a “secured” credit card. Issued by banks and credit unions, these require a cash collateral deposit that backs your credit line. For example, if you deposit $500 in that bank account, you can charge up to $500. If you don’t pay, the issuer can take the money from the account.
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