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Make sure to pay all of your bills on time, including credit card bills, utility bills, and other recurring payments. However, cash advances on credit cards also come with some significant drawbacks. Overall, there are options available for unbanked individuals who want to access a credit line.

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Personal loans may have fixed or variable interest rates, and they may be offered with different repayment terms, such as monthly payments over a period of several years. This can be done at an ATM, bank, or other location that offers cash advance services.