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These loans often have much higher interest rates and fees than online loans or traditional loans, which can make them difficult to repay. Finally, it is important for cardholders to be mindful of their cash advance limit, as going over this limit can result in additional fees and potentially damage their credit score.

Moreover, doorstep lenders may use aggressive sales tactics to persuade consumers to take out a loan, even if it is not in their best interest. The fees and interest rates associated with these loans can be very high, and you may end up paying much more than you borrowed.

They are also usually safer and less expensive than doorstep loans. 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.