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These might seem like a good idea because they come to you, but they can actually be risky. Doorstep loans often have very high fees and interest rates, which can make them hard to pay back. Revolving credit lines are often used for a variety of purposes, including managing cash flow, covering unexpected expenses, or making large purchases.

However, there are also some potential drawbacks to getting a loan from a bank. Make sure to pay all of your bills on time, including credit card bills, utility bills, and other recurring payments.

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