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This means that there may be fewer protections in place to ensure that consumers are treated fairly. By using their revolving credit line responsibly, borrowers can access the online financial flexibility they need while also building or improving their credit score.

Credit-builder loans: Credit-builder loans are small loans that are designed specifically to help people build or improve their credit. This can be especially useful in an emergency situation, such as a car breakdown or medical expense.

Moreover, doorstep lenders may use aggressive sales tactics to persuade consumers to take out a loan, even if it is not in their best interest. This can make cash advances on credit cards a very expensive way to borrow money.