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Check out reviews and compare terms and fees from several different lenders before you decide which one to use. It's generally a good idea to keep your credit utilization below 30%.

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History at all, a secured credit card may be easier to get approved for than a traditional credit card. Moreover, doorstep lenders may use aggressive sales tactics to persuade consumers to take out a loan, even if it is not in their best interest. 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.

Additionally, carrying a high balance can damage the online borrower's credit score, as it can indicate that they are overextended and may have difficulty repaying their debts. Personal loans may have fixed or variable interest rates, and they may be offered with different repayment terms, such as monthly payments over a period of several years.