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It is important for borrowers to carefully consider their options and choose a loan product that meets their specific needs and financial situation. While these loans may seem convenient, they often come with high fees and interest rates, which can make them difficult to repay.

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Banks also often have a wide range of loan products to choose from, so the bad borrower can find a loan that meets their specific needs. Finally, it is important for cardholders to be mindful of their cash advance limit, as going over this limit can result in additional fees and potentially damage their credit score.