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The Bright Money App claims to offer a guaranteed $8,000 credit limit without prior approval or credit check, aiming to help users build credit and consolidate debt. However, such claims should be treated with caution as legitimate credit card issuers typically conduct credit checks. Additionally, the mention of a new AI that promises perfect credit and no debt sounds too good to be true and may be a scam. Consumers should be wary of such exaggerated promises.

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