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It's important to note that payday loans can be very expensive and should only be used as a last resort. Credit card cash advances typically have a higher interest rate than regular credit card purchases, but they are still typically lower than the bad interest rates on payday loans.

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. One of the credit main drawbacks is the high cost.