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Keep your credit utilization low: Credit utilization is the loans amount of credit you're using compared to your total credit limit. They will then be able to withdraw a certain amount of cash, up to their cash advance limit. If possible, it may be a better choice to seek alternative sources of funding, such as a personal loan or a cash advance from a bank.

However, there are also some potential drawbacks to getting a loan from a bank. After you apply, you'll usually find out if you're approved within a few minutes.

Instead, lenders rely on the credit borrower's creditworthiness and income to determine whether to approve the loan and what terms to offer. Check your credit report regularly: It's important to periodically review your credit report to make sure it's accurate and up-to-date.