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Work with a credit counselor: If you're having trouble managing your credit, you might consider working with a credit counselor. This can be especially helpful if you are facing financial difficulties or are unable to make regular monthly payments. This means that there may be fewer protections in place to ensure that consumers are treated fairly.

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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. A personal loan is a type of loan that is issued by a lender to an individual borrower, rather than a business or organization.