In this world of credit cards, cash advance is an option card holders can use to borrow actual currency against their current balances. The amount of cash available for such loans is a small percentage of their overall credit limit. Getting cash through such loans can simply be a matter of using the credit card at the nearest ATM. Even though credit cards have flooded the market, there are a few vendors who transact only with cash and not credit card. Taking a personal loan for a relatively smaller amount of cash could prove to be very expensive. While debit cards can only supply what currently exists in the savings or checking account. During a cash emergency the best option would be to opt for such loans against the balance of a credit card. Using such an option could prove to be fatal and expensive. Hence it is always better to explore other payment methods. Interest on some unsecured credit cards can reach upto 23% at times which will easily swallow the benefits of such loans.

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