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History at all, a secured credit card may be easier to get approved for than a traditional credit card. Payday loans can have annual percentage rates (APRs) of up to 400% or higher, while the credit APR on a credit card cash advance is typically around 25% or higher. As long as the credit borrower makes their payments on time and in full, they can demonstrate their ability to manage debt responsibly, which can have a positive impact on their credit score.