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A cash advance on a credit card is a service that allows cardholders to withdraw cash from their credit card account. And once you are approved, the credit money can be transferred into your bank account in just a few hours or days.

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. Additionally, banks are typically regulated by government agencies, which can provide additional protections for the bad borrower. This can be especially helpful if you are facing financial difficulties or are unable to make regular monthly payments.

You can often receive an approval decision within a few minutes of submitting your application, and the bad funds can be deposited into your account within a few hours or days, depending on the lender. 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.