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Getting a loan from a bank can be a good option for those who need to borrow a large sum of money or who want to take advantage of a low interest rate. Only apply for credit when you really need it, and try to avoid applying for too much credit at once.

This includes personal loans, mortgages, car loans, and business loans. Instead, try to pay your balances in full each month and only charge what you can afford to pay off.

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