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Banks may also have more stringent eligibility requirements than other types of lenders, which could make it harder for some borrowers to qualify for a loan. This means that there may be fewer protections in place to ensure that consumers are treated fairly.

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A credit card cash advance is a service that allows credit cardholders to withdraw cash from their credit card account, while a payday loan is a short-term, high-interest loan that is typically used to cover unexpected expenses or emergencies. 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. Lower interest rates: Credit unions are non-profit financial institutions, which means they are not focused on maximizing profits.