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Credit repair cards The first four categories are reviewed together and are listed under the best five- and four-star personal credit cards.  In addition, we also rate credit repair cards as a separate category. We look at the credit cards and assess their product features and the scale of any penalties or fees associated with the cards. We also assess their additional services and ongoing benefits. Those with the widest range of features and benefits will be awarded a top rating of five stars, with those that are close, but with a little more to do, achieving four stars. How does a star rating help to find a credit card?

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