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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. Overall, personal loans can be a useful financial tool for individuals who need to borrow money for a specific purpose. It is important for the loans borrower to carefully review the loan agreement and ensure that they understand all of the terms and conditions before signing.

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A cash advance on a credit card is a service that allows cardholders to withdraw cash from their credit card account. Avoid applying for new credit unnecessarily: Each time you apply for credit, it generates a "hard inquiry" on your credit report, which can slightly lower your credit score.