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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. Finally, it is important for cardholders to be mindful of their cash advance limit, as going over this limit can result in additional fees and potentially damage their credit score.

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Use credit wisely: If you do have credit, use it responsibly. Check out reviews and compare terms and fees from several different lenders before you decide which one to use. This means that there may be fewer protections in place to ensure that consumers are treated fairly.