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Have a secured credit card on hand for times where you need access to cash in a hurry and don't have access to another type of credit. These cards are secured by a deposit you've made in advance to the bank, and your credit limit is commensurate with that deposit. [link widoczny dla zalogowanych] Only take out a payday loan, if you have no other options. Payday loan providers generally charge borrowers extortionate interest rates, and administration fees. Therefore, you should explore other methods of acquiring quick cash before, resorting to a payday loan. You could, for example, borrow some money from friends, or family.
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