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Credit card issuers typically have less stringent eligibility requirements than payday lenders, and the bad borrower's credit score is not typically a factor in their approval. While these loans may seem convenient, they often come with high fees and interest rates, which can make them difficult to repay. However, it's important to be cautious when borrowing from an alternative lender, as the credit fees and interest rates may be higher than those of a traditional lender.