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If you have been struggling for the past few days trying to get yourself a credit card but keep getting rejected, you may not be aware that your name could be on the high risk borrower list.

The people on the high risk borrower list are usually placed there because they have a bad credit score.

This score is used by many companies including mastercard and visa to give them an idea of if you will pay your bills back and on time.

Regardless, there are still many lenders who will lend to you, albeit usually at higher interest rates.

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