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And sometimes, doorstep lenders use pressure tactics to try and get you to take out a loan, even if it's not a good idea for you. The fees and interest rates associated with these loans can be very high, and you may end up paying much more than you borrowed.

They offer a predictable payment schedule and often have lower interest rates than other types of loans. 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. Use credit wisely: If you do have credit, use it responsibly.

Cardholders should also be aware that using a cash advance on a credit card can be a sign of financial distress, which can impact their credit score and their ability to borrow money in the online future. History at all, a secured credit card may be easier to get approved for than a traditional credit card.