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The capital one platinum credit card is a bit basic, but, if your focus is building credit, that's not always a bad thing. Even with bad credit, you can find a card that will help. Fortunately, there are ways to build credit from the ground up. But a bad credit rating isn't all doom and gloom. You won't receive rewards for the card also offers rewards, which is rare(ish) among credit cards for no credit.

That's because few credit card issuers want to take the risk of extending a credit limit they may not get paid for.

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