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Credit card cash advances typically have a higher interest rate than regular credit card purchases, and some credit card issuers also charge a fee for cash advances. These might seem like a good idea because they come to you, but they can actually be risky. Online loans also tend to have faster turnaround times than traditional loans.

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A revolving credit line, also known as a line of credit or a credit limit, is a type of loan that allows the ky borrower to access a predetermined amount of money as needed. Installment loans can also help borrowers to build or improve their credit score. Use credit wisely: If you do have credit, use it responsibly.