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So, for example, if your credit limit is $10,000, you should aim to use no more than $3,000 of that credit. To get a cash advance on a credit card, the loans cardholder will need to provide their credit card and a valid identification, such as a driver's license or passport. Avoid applying for new credit unnecessarily: Each time you apply for credit, it generates a "hard inquiry" on your credit report, which can slightly lower your credit score.