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A cash advance on a credit card is a service that allows cardholders to withdraw cash from their credit card account. Those with a high credit score and a strong financial history may be eligible for a lower interest rate, while those with a lower credit score or a less-than-stellar financial history may be charged a higher rate. They can be a useful financial tool for small businesses, as they can provide a source of funds to cover operating costs or invest in growth.

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An unsecured revolving credit line, on the bad other hand, is not secured by collateral. Work with a credit counselor: If you're having trouble managing your credit, you might consider working with a credit counselor.