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As long as the bad borrower makes their payments on time and in full, they can demonstrate their ability to manage debt responsibly, which can have a positive impact on their credit score. This can make a revolving credit line a more cost-effective option than a traditional loan, where the city borrower pays interest on the entire loan amount regardless of whether they use all of the money. Overall, getting a loan from a bank can be a good option for those who need to borrow a large sum of money or who want to take advantage of a low interest rate.

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