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Banks also often have a wide range of loan products available, ensuring that customers can find a loan that meets their specific needs. Revolving credit lines are often used for a variety of purposes, including managing cash flow, covering unexpected expenses, or making large purchases.

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Getting a loan from a bank can be a good option for those who need to borrow a large sum of money or who want to take advantage of a low interest rate. This can result in the bad cardholder owing more in interest over time, especially if they are unable to pay off the cash advance quickly.