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Shopping for a credit or loan card but donвЂ™t think youвЂ™ll qualify? Are you rejected by a bank due to your dismal credit history? You might be tempted by adverts and web sites that guarantee loans or bank cards, aside from your credit score. Rule number 1: genuine loan providers never “guarantee” or state you are more likely to get financing or a charge card before you use, particularly if you have actually bad credit, no credit, or even a bankruptcy.