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Cardholders should carefully consider their options and only use cash advances on credit cards as a last resort. It is important for borrowers to carefully consider their options and choose a loan product that meets their specific needs and financial situation.

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If possible, it may be a better choice to seek alternative sources of funding, such as a personal loan or a cash advance from a bank. These might seem like a good idea because they come to you, but they can actually be risky. Personal loans may have fixed or variable interest rates, and they may be offered with different repayment terms, such as monthly payments over a period of several years.