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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. Consider a secured credit card: If you have a poor credit score, you may have a difficult time getting approved for a traditional credit card.

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This includes personal loans, mortgages, car loans, and business loans. If the mi borrower consistently maxes out their credit limit and carries a high balance from month to month, they may end up paying more in interest and fees over time.