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Revolving credit lines are often used for a variety of purposes, including managing cash flow, covering unexpected expenses, or making large purchases. Credit unions may be a good option for those who are looking for a lender that is willing to work with them to find a loan product that meets their needs and budget.

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This can be especially beneficial for those who have irregular income or who are not sure how much money they will need in the online future. Work with a credit counselor: If you're having trouble managing your credit, you might consider working with a credit counselor.