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Installment loans can also help borrowers to build or improve their credit score. Check your credit report regularly: It's important to periodically review your credit report to make sure it's accurate and up-to-date. Overall, cash advances on credit cards can be a convenient way to access cash in a pinch, but they also come with high costs and potential risks.

Additionally, doorstep lenders may use aggressive sales tactics to convince consumers to take out a loan, even if it is not in their best interest. Use credit wisely: If you do have credit, use it responsibly. The borrower can borrow as much or as little as they need, up to their credit limit, and can repay the credit loan at their own pace.