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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. There are two main types of revolving credit lines: secured and unsecured.

This is especially convenient for those who have busy schedules or live in rural areas where access to traditional lending institutions may be limited. So, for example, if your credit limit is $10,000, you should aim to use no more than $3,000 of that credit. Cardholders should carefully consider their options and only use cash advances on credit cards as a last resort.

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