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You can borrow money from a bank with the use of a credit card in specific circumstances. There are a number of things you should be aware of when applying for a credit card, even though your monthly income is an important eligibility criterion. Credit cards are made to make it easier for you to keep track of your daily spending. For more details visit this link: https://www.apsense.com/article/what-to-consider-before-opening-a-credit-card.html