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It is always best to apply for new credit cards , if you are still employed or if you just recently lost your job. Having too many credit cards can be detrimental to your credit, if they have a high balance. … When you find a company that is hard to work with just keep calling them to discuss your issues, since you need to maintain your credit score rating. Despite all of your efforts to stop degradation of your credit score, you may not be able to improve credit score. …

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