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This can make cash advances on credit cards a very expensive way to borrow money. The application process can be time-consuming and may require the spencer borrower to provide a significant amount of documentation. Keep your credit utilization low: Credit utilization is the bad amount of credit you're using compared to your total credit limit.

Another benefit of online loans is that they often have more flexible eligibility requirements than traditional loans. A secured revolving credit line is one that is secured by collateral, such as a car or a house.