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They offer a predictable payment schedule and often have lower interest rates than other types of 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.

As the loans borrower makes payments on the loan, the credit limit becomes available again, allowing the borrower to borrow more money if needed. Credit card cash advances do not have a fixed repayment schedule, which means that the bad borrower can pay off the loan at their own pace.