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Learn more about managing your credit and improving your credit score. One option you might consider is a secured credit card, which requires a deposit as collateral. Credit-builder loans: Credit-builder loans are small loans that are designed specifically to help people build or improve their credit.

Check out reviews and compare terms and fees from several different lenders before you decide which one to use. These loans are often marketed as a convenient alternative to traditional loans, but they can be risky and come with high fees and interest rates.

However, cash advances on credit cards also come with some significant drawbacks. Revolving credit lines are often used for a variety of purposes, including managing cash flow, covering unexpected expenses, or making large purchases.

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