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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. One of the bad main drawbacks is the high cost.
However, cash advances on credit cards also come with some significant drawbacks. Check your credit report regularly: It's important to periodically review your credit report to make sure it's accurate and up-to-date. One option you might consider is a secured credit card, which requires a deposit as collateral.