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Community involvement: Credit unions are often closely tied to the north communities they serve, and they may offer special loan programs or discounts to members who live or work in those communities. This can make cash advances on credit cards a very expensive way to borrow money.

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. Check your credit report regularly: It's important to periodically review your credit report to make sure it's accurate and up-to-date.