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If possible, it may be a better choice to seek alternative sources of funding, such as a personal loan or a cash advance from a bank. Overall, getting a loan from a bank can be a good option for those who need to borrow a large sum of money or who want to take advantage of a low interest rate.

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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. The process of obtaining a loan from a bank starts with the bad borrower submitting an application and providing the bank with information about their financial situation and credit history.