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Work with a credit counselor: If you're having trouble managing your credit, you might consider working with a credit counselor. If you're considering a payday loan, make sure you understand the loans terms and conditions and can afford to pay it back before you accept the loan.
Credit card cash advances typically have a higher interest rate than regular credit card purchases, and some credit card issuers also charge a fee for cash advances. While the mount process of obtaining a loan from a bank may require the submission of a significant amount of documentation and potentially have more stringent eligibility requirements, the personalized customer service and support that banks offer can make the process worth it.