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This means that the wild borrower will pay less in interest over the life of the loan with a credit card cash advance. These might seem like a good idea because they come to you, but they can actually be risky. 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.

Cardholders should carefully consider their options and only use cash advances on credit cards as a last resort. They can be a useful financial tool for small businesses, as they can provide a source of funds to cover operating costs or invest in growth.