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Only apply for credit when you really need it, and try to avoid applying for too much credit at once. Cardholders should also be aware that using a cash advance on a credit card can be a sign of financial distress, which can impact their credit score and their ability to borrow money in the loans future.

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Instead, try to pay your balances in full each month and only charge what you can afford to pay off. However, it's important to be cautious when borrowing from an alternative lender, as the online fees and interest rates may be higher than those of a traditional lender.