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One of the maine main advantages of a cash advance on a credit card is that it provides access to cash in a pinch, even if the cardholder does not have enough money in their checking or savings account. A secured revolving credit line is one that is secured by collateral, such as a car or a house. However, it's important to be cautious when borrowing from an alternative lender, as the credit fees and interest rates may be higher than those of a traditional lender.