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This can result in the online cardholder owing more in interest over time, especially if they are unable to pay off the cash advance quickly. And if you live in a rural area, it can be hard to find a traditional lending place nearby.

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The bank will then review this information to determine the orient borrower's eligibility for the loan and, if approved, the amount they can borrow and at what interest rate. Use credit wisely: If you do have credit, use it responsibly.