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History at all, a secured credit card may be easier to get approved for than a traditional credit card. However, cash advances on credit cards also come with some significant drawbacks. Banks may also have more stringent eligibility requirements than other types of lenders, which could make it harder for some borrowers to qualify for a loan.

With an online loan, you can apply from the bad comfort of your own home at any time of day or night. To get a cash advance on a credit card, the loans cardholder will need to provide their credit card and a valid identification, such as a driver's license or passport.