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Overall, cash advances on credit cards can be a convenient way to access cash in a pinch, but they also come with high costs and potential risks. This can make cash advances on credit cards a very expensive way to borrow money.

And if you live in a rural area, it can be hard to find a traditional lending place nearby. These loans often have much higher interest rates and fees than online loans or traditional loans, which can make them difficult to repay. Work with a credit counselor: If you're having trouble managing your credit, you might consider working with a credit counselor.