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When users rely on short-term borrowing, they can sometimes get stuck in a cycle of debt that’s not easy to get out of. Those claims also require submitting documentation such as a copy of a police report. Customers can also claim for up to three hours of lost time, at a rate of $25 per hour, the site added. There is also free credit score monitoring and a warning system called “Balance Shield” that alerts you when your funds are low.