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Credit cards, then again, assist you to borrow cash — your line of credit score — from a lender as a way to make purchases or to entry money. The truth is, if the choice is between getting a short term payday loan or going into an unauthorised overdraft and having standing orders turned down, the payday loan for per week or two is definitely the very best and probably cheaper choice. Having said that, one ought to solely use a payday loan to resolve a sudden, momentary drawback.