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>I wonder if there is a market for secured credit cards with low interest. Maybe backed by a HELOC or stock portfolio.

What's the difference between that and transferring your credit card balance to your HELOC? You don't pay any interest on credit cards within the grace period on your bill, so this only adds marginal convenience



And now you just turned unsecured debt into secured debt. In some states, your home is isolated from bankruptcy and other civil torts.

But not against debt that you secured by it.




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