This world is as realistic as it can get. Rich people get credit card sent to their door step even without applying for it, but there are those who have to go through a series of approval from the financial institution to get rejected in the end because of some previous bad debt record.
If you are one such person, I have a good news for you. You can apply for a credit card - bad credit or not, you can make a comparison between a list of bad credit loan to find one that suits your need.
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