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Credit Card Cash Advances for Bad Credit. Not all credit cards allow cash advances, and those that do usually charge fairly steep transaction fees – typically 3% to 8% of the advance, as well as charging a higher APR than regular purchases. Rates and fees will vary by issuer, however, so it’s important to compare options.

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Any cash advance should be taken with a firm commitment to a short-term repayment plan. On the other hand, borrowers frequently end up rolling over car-title loans multiple times, with even higher.

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