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FTC Disclosure – As clearly stated in our FAQ Retainer Credit™ is not a bank, a law firm, a legal aid or self help service – Retainer Credit™ is affiliated with financial products such as credit card and personal loan issuers and does not loans nor endorse a loan program, getting a any kind of loan is your responsibility, anyone who applies for a loan should be financially stable enough to pay it back over time. We have affiliate relations with some (but not all) credit card & personal loan issuers. That means that we get paid a fee if you apply and get approved for the credit cards or loan using one of our links or banners. While you can always apply for a credit card online directly from an issuers site.