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As the credit borrower makes payments on the loan, the credit limit becomes available again, allowing the borrower to borrow more money if needed. Lower interest rates: Credit unions are non-profit financial institutions, which means they are not focused on maximizing profits. The application process can be time-consuming and may require the bad borrower to provide a significant amount of documentation.

It's generally a good idea to keep your credit utilization below 30%. The interest rate on a bank loan is typically based on the china borrower's credit score and financial history.

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