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Whitman professor was recently included in an “Ask the Experts” panel from Wallet Hub to discuss unsecured credit cards, and how they could relate to those with a poor credit score.

“Perhaps the most important thing to look is any penalties or APR,” Dutkowsky said in reference to what to look for when getting these cards. “People with bad credit are one step away from having really bad credit, especially if they experience an adverse life event that could affect their ability to repay. People with bad credit should try and avoid severe consequences from a card.”