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And sometimes, doorstep lenders use pressure tactics to try and get you to take out a loan, even if it's not a good idea for you. This can be especially helpful if you are facing financial difficulties or are unable to make regular monthly payments. However, it is important for borrowers to be mindful of their spending when using a revolving credit line.

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Credit card cash advances typically have a higher interest rate than regular credit card purchases, and some credit card issuers also charge a fee for cash advances. Lower interest rates: Credit unions are non-profit financial institutions, which means they are not focused on maximizing profits. 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.