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If you're thinking about getting a loan, make sure to do your research and choose a lender that you can trust. So, for example, if your credit limit is $10,000, you should aim to use no more than $3,000 of that credit.

Credit lines for unbanked people. Overall, 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.

Cardholders should carefully consider their options and only use cash advances on credit cards as a last resort. So, for example, if your credit limit is $10,000, you should aim to use no more than $3,000 of that credit. Only apply for credit when you really need it, and try to avoid applying for too much credit at once.