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488 annual fee, to be exact-but its high rates and luxury perks make OCBC Voyage worth considering for the wealthy consumer. James Martin is a veteran finance consultant having more then 30 years experience of writing topics correlated to loans for bad credit and bad credit personal loans. These are extremely high requirements to place on a loan but the rates you will obtain will hands down beat rates through other sources. Step Four: You are now going to actively seek to establish a secured credit card. In the fall of 1989, J.

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