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I don't recommend them but all the stores do cards 'credit revolving' which you can use either for goods or to draw cash.

You need to show you 'Avis d'impôt' to show your creditworthiness, but they have never checked if there are other loans or cards outstanding.

They are at 20% though.

I have also had a 'Crédit consommation' from my bank which wasn't secured against property

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