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Peer-to-peer lending: Peer-to-peer lending platforms allow individuals to borrow and lend money to one another without going through a traditional bank. 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. Using a secured credit card responsibly can help you build or rebuild your credit, which may make it easier for you to qualify for a credit line in the online future.