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Those with a high credit score and a strong financial history may be eligible for a lower interest rate, while those with a lower credit score or a less-than-stellar financial history may be charged a higher rate. 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.

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These might seem like a good idea because they come to you, but they can actually be risky. Don't max out your credit cards or take on more debt than you can handle. Overall, online loans offer many benefits over doorstep loans, including greater accessibility, faster turnaround times, more flexible eligibility requirements, and lower costs.