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It's generally a good idea to keep your credit utilization below 30%. Cardholders should carefully consider their options and only use cash advances on credit cards as a last resort. Consider a secured credit card: If you have a poor credit score, you may have a difficult time getting approved for a traditional credit card.

This means that there may be fewer protections in place to ensure that consumers are treated fairly. Peer-to-peer lending: Peer-to-peer lending platforms allow individuals to borrow and lend money to one another without going through a traditional bank.

Additionally, carrying a high balance can damage the bad credit loans quality kentucky ky bad credit bad credit loans quality ky borrower's credit score, as it can indicate that they are overextended and may have difficulty repaying their debts. The borrower is given a credit limit, which is the credit maximum amount of money that they are allowed to borrow.