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Work with a credit counselor: If you're having trouble managing your credit, you might consider working with a credit counselor. Banks may also have more stringent eligibility requirements than other types of lenders, which could make it harder for some borrowers to qualify for a loan.
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Instead, try to pay your balances in full each month and only charge what you can afford to pay off. These loans are often marketed as a convenient alternative to traditional loans, but they can be risky and come with high fees and interest rates. They will then be able to withdraw a certain amount of cash, up to their cash advance limit.