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

Banks also often have a wide range of loan products available, ensuring that customers can find a loan that meets their specific needs. 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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