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Please tell me what to do to get a payday loan online. For example, if the bad borrower has a credit limit of $10,000 but only borrows $1,000, they will only pay interest on the $1,000 that they borrowed.

It's generally a good idea to keep your credit utilization below 30%. This can make cash advances on credit cards a very expensive way to borrow money. This can result in the bad cardholder owing more in interest over time, especially if they are unable to pay off the cash advance quickly.