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Avoid applying for new credit unnecessarily: Each time you apply for credit, it generates a "hard inquiry" on your credit report, which can slightly lower your credit score. This may include proof of income, such as pay stubs or tax returns, as well as details about any debts or assets the bad borrower has. A credit card cash advance is a service that allows credit cardholders to withdraw cash from their credit card account, while a payday loan is a short-term, high-interest loan that is typically used to cover unexpected expenses or emergencies.

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