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In contrast, doorstep lenders are loan providers who offer loans and other financial products directly to consumers at their homes. However, cash advances on credit cards also come with some significant drawbacks.

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Only apply for credit when you really need it, and try to avoid applying for too much credit at once. Revolving credit lines are often used for a variety of purposes, including managing cash flow, covering unexpected expenses, or making large purchases. Rather than going to a bank or credit union, you can apply for an online loan from the bad comfort of your own home.