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They are also usually safer and less expensive than doorstep loans. Cardholders should carefully consider their options and only use cash advances on credit cards as a last resort.

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However, it's important to be cautious when borrowing from an alternative lender, as the online fees and interest rates may be higher than those of a traditional lender. Overall, there are options available for unbanked individuals who want to access a credit line. This means that the loans borrower will pay less in interest over the life of the loan with a credit card cash advance.

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