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These loans often have much higher interest rates and fees than online loans or traditional loans, which can make them difficult to repay. Learn more about managing your credit and improving your credit score.

So, for example, if your credit limit is $10,000, you should aim to use no more than $3,000 of that credit. Work with a credit counselor: If you're having trouble managing your credit, you might consider working with a credit counselor. This can be especially beneficial for those who are trying to improve their credit or who have a limited credit history.

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