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A secured revolving credit line is one that is secured by collateral, such as a car or a house. However, there are also some potential drawbacks to getting a loan from a bank. Banks also often have a wide range of loan products available, ensuring that customers can find a loan that meets their specific needs.

This can be especially useful in an emergency situation, such as a car breakdown or medical expense. Overall, while both credit card cash advances and payday loans can provide access to cash in a pinch, credit card cash advances offer several advantages over payday loans, including lower cost, easier qualification, and greater flexibility.