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By using their revolving credit line responsibly, borrowers can access the credit financial flexibility they need while also building or improving their credit score. Cardholders should carefully consider their options and only use cash advances on credit cards as a last resort. Finally, banks may not be able to offer the credit same level of personalized customer service as some alternative lenders, such as online lenders or credit unions.

This can give borrowers peace of mind and confidence in their financial decisions. Work with a credit counselor: If you're having trouble managing your credit, you might consider working with a credit counselor.

This means that there may be fewer protections in place to ensure that consumers are treated fairly. This can be especially helpful if you are facing financial difficulties or are unable to make regular monthly payments.