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However, it is important for borrowers to be mindful of their spending when using a revolving credit line. The borrower is given a credit limit, which is the credit maximum amount of money that they are allowed to borrow. To get a cash advance on a credit card, the online cardholder will need to provide their credit card and a valid identification, such as a driver's license or passport.

Use credit wisely: If you do have credit, use it responsibly. 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.