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In return, the card issuer must investigate the no credit card needed problem and either correct the error or explain to you why the bill is correct. This must occur within two billing cycles and not later than 90 days after the issuer receives your letter.
You will also find links to credit cards that are unsecured but were designed for those no credit card needed with less than perfect credit. Other benefits to having a secured credit card are online shopping and making hotel, airline, or rental car reservations. Without the freedom of a credit card you can't make reservations or no credit card needed enjoy the conveniences of shopping online.