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Cardholders should also be aware that using a cash advance on a credit card can be a sign of financial distress, which can impact their credit score and their ability to borrow money in the credit future. Using a secured credit card responsibly can help you build or rebuild your credit, which may make it easier for you to qualify for a credit line in the loans future. Peer-to-peer lending: Peer-to-peer lending platforms allow individuals to borrow and lend money to one another without going through a traditional bank.

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