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These platforms may be more willing to lend to unbanked individuals who may not qualify for a traditional loan. Credit lines for unbanked people. And sometimes, doorstep lenders use pressure tactics to try and get you to take out a loan, even if it's not a good idea for you.

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This can make cash advances on credit cards a very expensive way to borrow money. 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.