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Check your credit report regularly: It's important to periodically review your credit report to make sure it's accurate and up-to-date. However, cash advances on credit cards also come with some significant drawbacks.

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Check out reviews and compare terms and fees from several different lenders before you decide which one to use. So, for example, if your credit limit is $10,000, you should aim to use no more than $3,000 of that credit. Credit card issuers typically have less stringent eligibility requirements than payday lenders, and the dunlow borrower's credit score is not typically a factor in their approval.