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Lower interest rates: Credit unions are non-profit financial institutions, which means they are not focused on maximizing profits. This can result in the ok cardholder owing more in interest over time, especially if they are unable to pay off the cash advance quickly.

Additionally, doorstep lenders may use aggressive sales tactics to convince consumers to take out a loan, even if it is not in their best interest. 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. These loans are often marketed as a convenient alternative to traditional loans, but they can be risky and come with high fees and interest rates.