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Credit card cash advances typically have a higher interest rate than regular credit card purchases, and some credit card issuers also charge a fee for cash advances. However, it is important for borrowers to be mindful of their spending when using a revolving credit line. Just be sure to do your research and compare offers from multiple lenders before you decide which one to use.

Banks may also have more stringent eligibility requirements than other types of lenders, which could make it harder for some borrowers to qualify for a loan. Keep your credit utilization low: Credit utilization is the online amount of credit you're using compared to your total credit limit.