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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 loans future. Those with a high credit score and a strong financial history may be eligible for a lower interest rate, while those with a lower credit score or a less-than-stellar financial history may be charged a higher rate.

And if you live in a rural area, it can be hard to find a traditional lending place nearby. The fees and interest rates associated with these loans can be very high, and you may end up paying much more than you borrowed.