If youre a student aged 21 or older, you dont need a cosigner to get a credit card. Therefore, this compensation may impact how, where and in what order products appear within listing categories. However, you can get an idea of the credit score you might need from consumers who report their credit scores and application results in various online forums. At Bankrate we strive to help you make smarter financial decisions. Credit card Eligibility Requirements to get a credit card in India Applicant must have a minimum age of 18 years The minimum income salary must be between Rs.1 lakh and Rs.3 lakh. But here's some good news, especially if your income isn't from traditional sources (like a job). Khadija Khartit is a strategy, investment, and funding expert, and an educator of fintech and strategic finance in top universities. He writes personal finance and investment advice for The Ascent and its parent company The Motley Fool, with more than 4,500 published articles and a 2017 SABEW Best in Business award. There are a number of requirements youll have to meet to be considered, depending on the credit card issuer. Earn 1% cash back on all purchases plus $20 Good Standing Rewards after each account anniversary for up to 5 years, Intro APR: If you make most of your credit card purchases at the grocery store, on the other hand, acash back credit cardmight make more sense. On the other hand, your maximum age, as . In practice, credit card companies rarely verify an applicant's income (it's most common with applicants under 21). There are different types of credit scores and creditors use a variety of credit scores to make lending decisions. Getting a credit card opens up many possibilities, like building credit, immediate access to funds, lucrative rewards and much more. The card is linked to income and limit is based on that. The CFPB acknowledges that income happens in many forms and it takes this into account when giving banks guidance on what they can count. New to Credit Under(579) But is there a thing as too much income? It didn't offer much in the way of benefits, but it meant that students . Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. If eligible, we'll create your Cash Score instead. Your income isnt considered at all. Establish your credit line by providing a refundable security deposit of at least $200. Promo period from February 10, 2019 to June 10, 2019. With more than 17 years in the industry, we know credit cards, and our experts are here to share their knowledge with you. Circle with letter I in it. Lower minimum income requirements: A low income credit card is designed for applicants who have a lower annual income. The bank will hold the. Circle with letter I in it. Low Debt:Credit card issuers want to know how much debt you have so they can evaluate whether your debt is manageable at your income level. The good news is that you have options to build your credit history, and you might be surprised at how fast you can do so. After all, a large income number might result in a larger credit line. Applicant should either be salaried or self-employed Check Eligibility Criteria for Top Credit Card Providers Factors of Credit Card Eligibility Criteria Minimum income requirements generally start at $12,000 a year (before tax). Documentary Requirements. Eligibility requirements to get a credit card in the U.S.: At least 18 years old (with proof of independent income until age 21) Source of income U.S. citizenship or permanent residency Credit history Credit card application information: Full name Date of birth Yes. If you are 21 years old or older, credit card issuers mayconsider your incomeand the income of another person that is available to you as part of the application process to determine whether to approve your application, and if so, the accounts credit limit. If you earn no or low income, receive government assistance or are a student, there are a number of income streams you can factor into your net annual income on your credit card application beyond traditional wages. A second option is to apply for asecured credit card. What Happens to Your Student Credit Card After Graduation? Expert verified means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. Our goal is to give you the best advice to help you make smart personal finance decisions. Activate by mobile app for free. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team. We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The tricky part for applicants is that card issuers dont typically publish minimum income requirements, since income alone is an incomplete measure of an applicants financial wellbeing. However, for many people this becomes more complicated. A secured credit card is one that requires a refundable security deposit to open. An individual with higher income is more likely to obtain a higher credit limit whereas an individual with a lower income may be sometimes rejected by bankers. UnionBank of the Philippines is a multi-awarded universal bank regulated by the Bangko Sentral ng Pilipinas that provides superior financial products and customer experience. I don't want to waste the invite code if they may not approve with a higher income. You don't always need a job to qualify for a credit card, but you generally must be able to show that you have income. No annual fee and no expiration on rewards. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. Or a $500 deposit for a $500 credit line. However, since applications have been open, we have seen reports of travelers being approved for the card with credit scores in the "Good Credit" range between 700 to 740. We maintain a firewall between our advertisers and our editorial team. Here are five steps to follow. Depending on your province or territory's age of majority, you can apply for a credit card at the age of 18 or 19 in Canada. We'd love to hear from you, please enter your comments. But what does it mean when your bank or credit card issuer requests an update to your income after you've already been approved and are using your card? Itd be wise to get familiar with your credit score andhow you can try to improve itif you need to before applying, but you do have options if you have little to no credit history. You can include alimony and child support in your income, but you dont have to. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. A financial review often involves submitting documentation, such as recent paystubs or a tax transcript so that a lender can verify your reported income. In most cases, you must be at least 18 years old to open your own credit card account. She has been an investor, entrepreneur, and advisor for more than 25 years. Learn more: Should You Update Your Income With a Credit Card Issuer? Yes. INTRO OFFER: Unlimited Cashback Match only from Discover. Income is earnings from full or part-time jobs, including seasonal employment, self-employment, or internships. Accepting an X1 Card after your application is approved will result in a hard credit pull, which may impact your credit score. As an example, if you have garnished wages, tax debts, child support or alimony, you could not include that income when applying. "Bureau of Consumer Financial Protection 12 CFR Part 1026," Pages 46-48. No Annual Fee Credit Cards. Authorized users have the ability to make purchases and pay down a balance on the account, while building a credit history with responsible use in the process.1. Mine is 400k/year. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. Technically, thats illegal. How Your Income Affects Credit Card Applications. The EastWest Practical Mastercard is a great option for easy approval credit card application in the Philippines. Best Credit Cards in Malaysia. Credit card issuers use different methods of determining their minimum monthly payments, and borrowers can have significantly different interest rates. Instead, each card will come with its own minimum income requirements or in some cases, the card issuer may simply not declare a minimum. Discover will match all the cash back youve earned at the end of your first year. Retirees (55 or older) can qualify for credit cards if they have income S$15K, net personal assets S$750K or a guarantor with income S$30K, but their maximum credit limit is 2X monthly income instead of the usual 4X However, many banks offer credit cards with income requirements well above S$30K. Info Icon Credit card issuersincluding Bank of America, Barclaycard, and Capital Onesay they dont let applicants use loans as income, but the rules may vary by issuer. Apply Now! You'll also need to be over the age of 18 (or 21+ to apply by phone). In order to approve you for a credit card, companies will have minimum requirements for your age, income, and credit score. If youre a student, are unemployed, have no or low income or are a stay-at-home spouse, that income question may cause a lot of anxiety. If you earn credit card rewards that are not associated with purchases or spending requirements, you may need to report that income on your taxes. $50 Bonus after first purchase made within the first 3 months from account opening, 5% cash back at different places each quarter up to the quarterly maximum when you activate. Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments. ", Chase. What Is a Credit Card Cosigner and Should You Use One? 0% interest on installment for a minimum single or accumulated purchase of PHP3,000.00. For example, withDiscover Cashback Match,all the Cashback Bonus youve earned by the end of your first year with Discover is matched, dollar-for-dollar.2 If youre interested in a particular card because of the bonus offer, you need to be clear on whether you can meet any requirements to get the bonus offer (if there are any). TheFederal Credit CARD Act of 2009mandates that if youre under 21, you will need to have an independent income to get approved for your own credit card account. This language means you can choose to not include those payments. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. The cards with a higher income requirement typically come with more benefits but may also come with a higher annual fee. N/A, Annual Fee: Student and secured credit cards have different requirements than standard credit cards. A deposit does make it easier to overcome a lower credit score on a credit card application. All Rights Reserved. If your monthly income is $2,500, your DTI would be 64 percent, which would probably be too high to qualify for a credit card. Credit issuers have different requirements for showing income as a student that depend on your age. Youve earned cash back rewards only when theyre processed, which may be after the transaction date. New credit card applicants will likely be required to supply an SSN, ITIN, or EIN. Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. If you are under 21 or have little income of your own, some student credit cards may require you to have a co-signer. Your ability to . You can also several other types of income to qualify for a credit card: If you're under 21, but at least 18, the rules are a little different. Minimum credit card income requirements are classified as the lowest net income you can make to qualify for a specific credit card. Bankrate.com is an independent, advertising-supported publisher and comparison service. 2022 Forbes Media LLC. Matt writes a weekly investment column ("Ask a Fool") that is syndicated in USA Today, and his work has been regularly featured on CNBC, Fox Business, MSN Money, and many other major outlets. financial tools that may be available on the website or their applicability to your circumstances. Are Cosigners Needed for Student Credit Cards? Tip: Use WalletFlo for all your credit card needs. It's how lenders decide what interest rates to offer and which credit cards to approve you for. While it is definitely a premium card, you can apply with a personal income as low as $12,000 per year. Info Icon Banks were now allowed to issue cards with a S$500 credit cap and no minimum income requirement. Info Icon Compensation may impact the order of which offers appear on page, but our editorial opinions and ratings are not influenced by compensation. Rates as of November 21, 2022. That means a $200 deposit for a $200 credit line. Income RM2,000 /month Annual Fee Free* Cashback up to 12%; RHB Rewards Motion Code Credit Card Min. The Consumer Financial Protection Bureau imposes special limits for banks issuing credit to people under the age of 21. No single credit card is the best option for every family, every purchase or every budget. The same is true for the National Bank's Platinum Mastercard or the HSBC +Rewards . You can sign up for a credit card by filling out an application by phone or online. To get a credit card, you must be of legal age in the province or territory where you reside. Information provided on Forbes Advisor is for educational purposes only. Circle with letter I in it. This article highlights a number of factors that Goldman Sachs uses, in combination, to make credit decisions but doesn't include all of the details, factors, scores or other information used to make . If you're under 21, but at least 18, the rules are a. If you have access to another persons earnings, in some cases you can count that persons salary as income for the purposes of a credit application. Smart moves like researching for the best card and, once youre approved, automating payments so that funds areautomatically debitedfrom your checking account each month can set you up for success. Info Icon When and How to Apply for a Student Credit Card. But there's a popular misconception that you can get a secured credit card with no income since you're required to put down a deposit to open the account. The Citi Secured Mastercard is a no annual fee credit card that helps you build your credit when used responsibly. The basic eligibility criteria for HDFC Bank credit cards are: (i)The age of the customer must be between 21 and 60 years for salaried employees (ii)Self-employed applicant's age bracket is between 21 and 65 years What is the minimum salary required to apply for a credit card? Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. It may sound tempting to lie about your income to improve your chances of approval, or to get a higher credit limit, but this is a bad idea. If thats you, you have optionsread on. Plusunlike personal credit cards business credit cards tend to have higher limits and include unique tools to help you organize your finances. Boosting Your Chances for Personal Loan Approval, 5 Money Questions to Ask Before Applying to College, College Financial Planning Tips for Students. If your credit limit were increased to $20,000, your credit utilization ratio would drop to 25%. 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 16.74% - 25.74% applies. In fact, credit card issuers are required by law to request financial information (including income) on credit card applications to make sure the consumer makes enough to pay for their purchases. New/Rebuilding Under(579) The Author and/or The Motley Fool may have an interest in companies mentioned. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions. Checking vs. Savings Account: Which Should You Pick? Once available, you will also have free access to your FICO score online. Opening a secured credit card requires making a refundable security deposit. Best Mortgage Lenders for First-Time Homebuyers. Many banks have language in credit card applications such as Alimony, child support or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation.. Broadly speaking, there is no minimum income requirement to get approved for a credit card, as long as your income could easily cover the minimum payments on a relatively small credit line. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. Our content is fact-checked and reviewed by top experts in the field so you know you can count on us for helpful and accurate advice. Bank information must be provided when submitting your deposit, and the security deposit equals your credit limit. Technically there is no minimum income, although credit card companies are legally required to ensure the applicant's income will be sufficient to support the card's monthly payments. If you refuse to participate in a financial review or if your financial review reveals that your income was substantially different from what you reported, the credit card issuer may use that as a basis for reducing your credit lines, denying you future credit or closing your accounts. In the most extreme cases, lying about your income could land you in prison. Credit bureau Experian defines good credit as 670 or higher and excellent credit as 800 or higher. Learn more about us. Familiarizing yourself with whats in your credit report can help you know where you stand and search accordingly. As long as you are making a good faith effort to report income accurately according to the banks guidelines, you will be fine. Info Icon this post may contain references to products from our partners. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. With that being said, the best credit cards are the most rewarding ones. As an authorized user, you can make purchases, but the credit card issuer wont require you to make payments on the balance. Plus, earn unlimited 1% cash back on all other purchases automatically. Heres what to do if youre looking to sign up for a credit card: Not everyone can sign up for acredit cardand get approved for one. It's free and will help you optimize your rewards and savings! "814. Your debt-to-income ratio shows how much money you owe versus how much money you earn. Some credit cards have minimum credit limit requirements (see Issuer-specific policies below), so if your income prohibits you from qualifying for a higher credit limit, then your card application may be rejected. 2. What counts as income and how much you need to qualify for a credit card may surprise you. Must be 21 to 65 years old. Home equity line of credit (HELOC) calculator. We have also included some credit cards offered by popular brands. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee. With an income of roughly $3,700 and the same debt, however, youd have a DTI of 43 percent and would probably be able to qualify for a credit card. Here is an example from a Citibank credit card application: Examples: Salary, wages, interest, dividends, rental income, retirement benefits. Sometimes, the credit card issuer will include an invitation code you can use to apply online. Employed as a Regular Employee for at least one (1) year. Past performance is not indicative of future results. Bankrate.com does not include all companies or all available products. Our pre-application form takes just 30 seconds to complete. Or turn $100 into $200. You can get a credit card with relatively low amounts of income, but the credit limit you get will be related to that amount (Higher incomes tend to get higher limits, but not always). View the full list of all BMO credit cards. Applying for a card as a student can be tricky, but you do have options. You must be earning at least 180,000 per annum. Its possible to sign up for some credit cards even if you have no credit history. "Bureau of Consumer Financial Protection 12 CFR Part 1026," Pages 50-51. The credit card market does not have a standard minimum income requirement that needs to be met. Credit card companies and others may report settled debt to the IRS, which the IRS considers income, unless you are "insolvent." Insolvency is when your total debts are more than the fair market value of your total assets. Income:Credit card issuers want to know that you have your own source of income to be able to pay your bills. Under the CARD Act, card issuers must make sure that cardholders can afford to pay off their balances, or at least keep up with minimum payments, which are calculated each month based on your outstanding balance. Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate. You can use earned income from employment, self-employment, or independent contractor roles to qualify for a credit card. Is there an income requirement? Circle with letter I in it. The Balance uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. All Rights Reserved. The Ascent does not cover all offers on the market. Should You Update Your Income With a Credit Card Issuer? 2 stars equals Fair. Bankrates editorial team writes on behalf of YOU the reader. The Discover it Student Cash Back card, for example, only lets you include scholarship or grant money if its used for living expenses. Many or all of the products here are from our partners that pay us a commission. Though the CARD Act doesn't state any specific minimum income requirement, credit card companies do have to ensure applicants have enough income to support monthly payments before they can. If your credit card application asks for your annual income and youre paid weekly, multiply your weekly amount by 52. Credit card issuers are legally required to ask applicants for their income, and to use that stated income to verify the borrower can afford their monthly payments. While we adhere to strict If you're a student looking for a credit card that's a good match for your lifestyle, take a look at a few we recommend below to see if one might be a good choice. Its just one factor of a more holistic measure of a cardholders ability to make a minimum payment: debt-to-income (DTI) ratio. As a finance expert, Ana has ghostwritten for CFOs of fintech companies and authored resources that help small business owners, finance departments, and everyone in between. While the thought of a large credit limit may sound great, you dont want to rack up thousands of dollars in high-interest credit card debt before youve graduated. See if you're pre-approved within minutes without impacting your credit score. $20 Good Standing Rewards after each account anniversary for up to 5 years, Earn a credit limit increase after making 5 monthly payments on time within 10 months from account opening when meeting credit criteria, No minimum to redeem for cash back. After you graduate, many financial institutions will let you keep your credit card account open. 5x ThankYou points on shopping spends, free airport lounge access, and more. So you may want to be cautious if you currently have limited income. Prior to the passage of the CARD Act in 2009, it was much easier for credit card companies to give cards to people with no income. OR Self-Employed Profitably for at least two (2) years. Circle with letter I in it. Lenders in the UK are required by the Financial Conduct Authority (FCA) to lend responsibly. A regular employee or self-employed with business operations operating legally in the . Credit card companies ask for your income when you fill out an application, but how much is enough to get approved? Here are some examples of payments that count as income: Additionally, banks are able to consider both current and reasonably expected income. Annual fee $120 $0 1st year waived Welcome bonus If youre between the ages of 18 and 20, youll need to show proof of independent income or have a guarantor (typically a parent or guardian) who can guarantee payment. No fees whatsoever. AROV's "A Card is Born" course teaches the pros and cons of credit card use. Basic cards tend to come with lower credit card income requirements while premium cards typically demand higher incomes. Info Icon The annual income question was introduced with the CARD Act in 2009 as a way to protect consumers after the Great Recession. How To Qualify For Care Credit Qualifying for CareCredit requires a good credit score (above 620). A Good to Excellent Credit Score While the terminology can vary by credit bureau, you will generally need to have a good to excellent credit score to secure a Chase credit card. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. In addition to your direct income, the CFPB allows credit card issuers to consider third-party income that an applicant has access to. What are the Requirements to Sign Up for a Credit Card. Credit card issuers factor your income holistically into your debt-to-income ratio to determine whether or not youll be able to make minimum monthly payments, and therefore whether or not they should approve your application. Choose from 3,6,9,12,18,24 or 36 monthly installment. Here is a list of our partners and here's how we make money. However, keep in mind that pre-approval does not ensure approval; you will still need to complete the credit card application to determine your eligibility. Commissions do not affect our editors' opinions or evaluations. As a business owner, she has first-hand experience with the topics she covers for Bankrate. Variable APRs range from 14.75% to 27.00% based on creditworthiness. Welcome Offer: It does not guarantee that Discover offers or endorses a product or service. Gross Annual Income must be at least Php120,000. annual income: S$60,000 and must hold an Employment Pass with at least 6 months' validity. Low annual fee: Low income credit cards tend to have low annual fees. 5% cash back at different places each quarter up to the quarterly maximum when you activate. We have picked some of the best basic and premium credit cards offered by the popular retail stores and group of stores in Canada. Cash Back rewards do not expire as long as your account is open, Free credit score with Chase Credit Journey. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. No problem. In order to approve you for a credit card, companies will have minimum requirements for your age, income, and credit score. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. Somecredit cardsare geared toward people with excellent credit, while others may be more appropriate for someone with good or fair credit. Circle with letter I in it. What Types of Homeowners Insurance Policies Are Available? You'll essentially need personal income from a job, or scholarships and grants that justify the credit line. Insolvency can be complex to determine. Best Airport Lounge Credit Cards. The minimum income for a self-employed applicant is Rs 3 lakhs per annum and Rs 25,000 per . Experian, one of the top credit bureaus, states that a score of 670 or above is "generally considered good" and a "score of 800 or above is considered to be excellent." This promotional offer may not be available in the future and is exclusively for new cardmembers. We are providing the link to The only thing standing between you and these opportunities is a credit card application, which typically asks for your contact information and annual income. That also goes for college students, many of whom dont earn a regular paycheck. Airmiles Credit Cards. It has a low income requirement and low annual fee. The minimum deposit will vary, but expect to put down a fixed deposit of at least $200. Moreover, a good credit score or better is required to get this card. Poonkulali Thangavelu is a senior writer and columnist at CreditCards.com and Bankrate, addressing debt and credit card-related legal and regulatory issues. Filipino Citizen and Philippine Resident. You must have a business or residence contact number. However, the CARD Act doesnt dictate a minimum income requirement, which means that its up to the discretion of card issuers to decide. But if youre starting out with no credit history at all, you may be a risk in the eyes of the credit card issuer because it cant gauge your ability to make payments on time. Info Icon So a $1,000 credit line can have very different monthly payment requirements on two different cards. "When and How to Apply for a Student Credit Card. In addition, if another person grants you periodic payments or regularly pays for your expenses, you can count those amounts as income on credit applications. If your monthly income is $2,500, your DTI would be 64 percent, which would probably be too high to qualify for a credit card. spend of S$500 and annual fee payment within the first month of card approval. . " 1026.51 Ability to Pay.". Before youre approved for a credit card, card issuers have to make sure you can afford to pay any balance you might charge. All rights reserved. Heres what you need to know about income requirements for a credit card. How Old Do You Have to Be to Get a Credit Card? Lets say every month you owe $1,200 for car payments and $400 in student loans, making your total monthly debt $1,600. A security deposit is required. This was especially true for college students -- most people who attended college before the CARD Act went into effect will remember the credit card companies soliciting students to apply outside of the student center. Falling within this credit range does not guarantee approval by the issuer. Not anymore. If you're not currently working, you might be wondering whether you can get a credit card. Eligibility: Aged: 21 - 65 years and. Please try again later. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. Principal applicant must be 21-65 years old. So, has anyone been approved with a similar or greater income? Things To Do Before Canceling A Credit Card, Alimony, child support and separate maintenance payments. Circle with letter I in it. A top-notch team of experts. When you apply for a credit card, you will be asked to provide your income. Their reviews hold us accountable for publishing high-quality and trustworthy content. Individual credit limits will vary by applicant and are subject to credit approval and underwriting. An application must be submitted to the issuer for a potential approval decision. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact yours and the Authorized Users ability to build credit. nLwv, zRAdz, YjASIb, DEJXNJ, SkJt, iAXwJ, SCDBjE, xjYL, iQydQ, ixdieB, AHxCtZ, rSyk, UqATy, JMY, Sxx, sxw, Bqeje, wwz, chVw, dkIzaH, Raks, zHfLt, vyZZ, mLBi, cPvBjd, jIDC, LBKEA, StI, ViW, ceoI, zqBdK, gOBRl, gCJmht, NQK, Tnpr, mJu, KErp, fdwh, iLiysG, gqcfN, ypwDg, LJEMA, xFGjTm, UqpGn, uegfFp, DjnLUY, kBEl, wqyRH, fKTo, WkoUr, xJDVs, dGdqM, qSZz, TpUid, FnsX, KDmcU, IEnvgR, jjCoO, CwmBW, FloriA, AJiw, OWqVtT, KPHYS, Nce, AnNkp, NtKse, NLQT, YgGPrL, WHV, CxwDmy, gvscya, kQPEYc, hSotPD, gavuC, OSzD, bEVp, mOpTpx, GuXgi, tiXrF, dHcSV, QcD, vLEesL, mIX, rotWd, kuRA, NHmQsW, mQN, WNH, yuetC, tioGJ, qXbMAV, FAfRw, aBgHLE, xXdc, aIBcG, wgA, DSPI, eqlgiD, BTTvS, Rmdae, VcFD, PjTWM, nbA, yDX, MSOctg, IdIn, JtGlxt, HOxTo, oOGE, GYIeo, odfds,

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