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If the ca borrower consistently maxes out their credit limit and carries a high balance from month to month, they may end up paying more in interest and fees over time. The bank will then review this information to determine whether the bad borrower is eligible for the loan and, if so, how much they can borrow and at what interest rate. Be sure to review the credit terms and conditions of the loan carefully before you agree to them.

Overall, there are options available for unbanked individuals who want to access a credit line. They will then be able to withdraw a certain amount of cash, up to their cash advance limit.