Confused about credit cards? We'll help you out.
Don't bother reading through confusing credit card comparison sites. Read through this and we'll give you the best choice - straight and clear.
A credit card offers a lot of perks and security. Here's why you should get one.
- You can purchase easily even when you're out of cash. Whether you want books, plane tickets, or fine dining, you can avail them without shelling out a penny.
- You build a good credit line. Good credit history will make it easier for you to get house loans, car loans, and even a job in the future. Just pay on time and make full payments monthly.
- It's helpful in case of emergencies. If your car breaks down your credit card is your best ally. You can buy any car parts or you can pay the mechanic shop in an instant.
- You get freebies and discounts. Some banks reward cool gadgets, free shopping sprees, and special discounts when you use credit cards.
However, with these advantages come disadvantages.
Here's a fact: Credit cards teach you to live beyond your means.
Without discipline and responsibility, credit cards can drown you in debt.
If you fail to pay the interest rate, you are charged with heavy fees. They will keep piling if you fail to pay on time. And trust me, banks can be unforgiving.
Once you get a credit card, you are tied to it for a long time. Until you have paid off thousands of dollars on credit card bills, destroyed the card and shut down your account, only then will you be free.
So which credit card are we recommending? NONE OF THEM!
Why A Cash Advance Is A Smarter Option...
| COMPARE | Cash Doctors Cash Advance | Credit Card & Personal Loans |
| Ease of application | No documents. All online. Instant answer. Apply in minutes. | Lengthy documents and can take up to several days to arrange/be approved. |
| Amount. Do you really need that much? | If you need less than $600 you can get exactly what you need. You don't have to borrow more than you require. | You often get far more than you really need, which can entice you into unnecessary spending. This equates to higher levels of interest. |
| Discipline - Repayment requirements | You are required to repay your scheduled repayment amount/s on your next payday/s within a maximum of 45 days. Easy to remain disciplined. | It's too easy to repay the minimum payment for a credit card and delay paying the principal. Personal loans have set repayment times and these can run for years. Hard to remain disciplined. |
| Period of loan - How long are you in debt? | Repaid on your next payday or within a maximum of 45 days. You have repaid the cash advance in full, you've solved your problem and you can get on with your life. There is no long-term debt. | Credit cards have no set term and the debt can go on and on for a very long time. People are tempted only to pay the minimum amount. There is no closure. Personal loans are a long term commitment for years. |
| Subsequent cash advances | Paid in seconds straight onto your Cash Advance Cash Doctors card. Available only if you have paid your previous cash advance balance in full i.e. only if you can afford it. | Personal loan - Need to reapply each time. Credit Card - Constant 'maxxing out' of credit card limit because you are able to utilise even though you haven't paid the previous balance ..i.e even though you can't afford it. |
| Costs | When expressed unfairly as an APR a Cash Doctors loan looks expensive. But reasonable for a small short term loan - not unlike a taxi v an air flight. Cost can be from $50 to $200 depending on amount and term. How much does it cost? | Because you often end up with more funds for longer than you need with a personal loan, or you maintain a high balance owing on your credit card, you can end up repaying thousands in interest over time. |
If you need quick cash without testing your self-discipline and without committing to a long term contract then we have the solution. Just fill out the application form online in 5 short minutes and within 60 minutes we'll deposit money into your account!
We are CASH DOCTORS - Your easiest and quickest remedy to cash shortage.
Here at Cash Doctors, we allow you to borrow up to $600 with only 1 cent interest on your first loan.
Fill out our online form, which will take 4-5 minutes, and when your loan gets approved, you get the cash in 60 minutes during business hours. It's that easy!
Unlike credit cards, we don't allow you to borrow blindly. Upon your application, the fees included in your loan are clearly posted on your screen.
When you get your first loan you are automatically entitled to:
- Free access to Cash Doctors Mobile. Using only your mobile phone, you have access to quick cash anytime, anywhere.
- Free Cash Doctors debit card. With this card you can withdraw cash from any banks, ATM or EFT 24/7 in seconds.
- Free financial resources. Learn essential information with our free tools, information, ebooks, articles, blogs and videos.
If what you need is a quick relief to your cash needs without the hassles of long application forms and long term commitment then use Cash Doctors now.
It's easy. Get cash and get on with your life.
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