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This may include proof of income, such as pay stubs or tax returns, as well as details about any debts or assets the bad borrower has. 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. The fees and interest rates associated with these loans can be very high, and you may end up paying much more than you borrowed.

Don't max out your credit cards or take on more debt than you can handle. It's important to note that payday loans can be very expensive and should only be used as a last resort. This can result in the ma cardholder owing more in interest over time, especially if they are unable to pay off the cash advance quickly.