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Joy Wallet is an independent publisher and comparison service, not an investment advisor, financial advisor, loan broker, insurance producer, or insurance broker. Its articles, interactive tools and other content are provided to you for free, as self-help tools and for informational purposes only. They are not intended to provide investment advice. The bottom line. The Petal 1 credit card is excellent for new borrowers and those trying to build credit. With no annual fee, cashback at select merchants, and plenty of helpful in-app saving and budgeting tools, this card is a good starter card. Joy Wallet is an independent publisher and comparison service, not an investment advisor, financial ... Interest rates for personal loans, typically the loan category for debt consolidation, is around 10.82%, according to Bankrate data as of March 2023. According to the Federal Reserve, the national average for consumer credit card interest rates is about 20.92%.Joy Wallet is an independent publisher and comparison service, not an investment advisor, financial advisor, loan broker, insurance producer, or insurance broker. Its articles, interactive tools and other content are provided to you for free, as self-help tools and for informational purposes only.Joy Wallet is an independent publisher and comparison service, not an investment advisor, financial advisor, loan broker, insurance producer, or insurance broker. Its articles, interactive tools and other content are provided to you for free, as self-help tools and for informational purposes only. They are not intended to provide …

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