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Thats much lower than the 391 APR of a payday loan. Some bills, such as rent payments, cant go on your credit card. But you can still pay for them with a cash advance. This is much more expensive than using your card the normal way, for several reasons: Higher Interest.
The interest rate for cash advances is usually much higher than for normal card use. According to CreditCards. com, the median interest rate for cash advances is around 24.