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Avoid applying for new credit unnecessarily: Each time you apply for credit, it generates a "hard inquiry" on your credit report, which can slightly lower your credit score. However, it is important for borrowers to be mindful of their spending when using a revolving credit line.
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Credit card cash advances do not have a fixed repayment schedule, which means that the bad borrower can pay off the loan at their own pace. When you apply for a personal loan at a credit union, you may be able to work with a loan officer who will take the credit time to understand your specific financial situation and help you find the right loan product.