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A revolving credit line, also known as a line of credit or a credit limit, is a type of loan that allows the bad borrower to access a predetermined amount of money as needed. That's way faster than waiting for a regular loan from a bank or credit union. Finally, it is important for cardholders to be mindful of their cash advance limit, as going over this limit can result in additional fees and potentially damage their credit score.

This may include proof of income, such as pay stubs or tax returns, as well as information about any outstanding debts or assets. More flexible repayment terms: Credit unions may be more willing to work with you to find a repayment schedule that fits your needs and budget.