The only thing that is worse than having bad credit is having no credit.
Establishing a credit history is difficult, and establishing positive credit can be 10 times more difficult than establishing bad credit.
It is easy to be manipulated into a contract that you think you can handle, for example with a two year cell phone contract. However, at any point in your contract the rates can increase dramatically... and you are trapped. The only way out of a cell phone contract is to pay an outrageous penalty fee. While your credit will be affected simply by needing to back out of a contract, it will be affected even worse if you are unable to pay the fee. A huge bill will be racked up in your name, and it's not your fault. You're a victim,
Cell phones target people with a bait and hook method. When you commit to a contract, you are rewarded with a lot of 'free' things that in the long run will cost you more than they are worth. Once your rate plan increases (with or without advance warning), if you are unable to keep up with the new monthly bill, you will end up with a negative credit report.
Cell phone contracts are just one of the many examples of how easy it is to develop bad credit. Credit problems are all too common, and there are many lending sources that attempt to prey on those with credit problems.
When you have a financial problem that requires financial assistance, having bad credit makes you vulnerable to lending sources that specialize in 'bad credit loans'. Most of these loan options are another dangerous financial risk.
When you need a loan source, you shouldn't have to settle for one that will make you pay an arm and a leg and your first born son just to get the financial relief you need now. If the need for emergency funds is urgent enough that you need a loan, there are better options than a 'bad credit loan'.
The safest option for somebody with credit problems is a cash advance. A cash advance is the most affordable solution because the cash advance rates are much lower than what you would spend for a special 'bad credit loan'.
Cash advances are offered with no credit check, so it doesn't matter if you have outstanding credit, really bad credit, or (the worst kind) no credit, you still get the money you need at an affordable rate.
Cash advances are the safest solution available, because you are not committing to a lengthy payment plan. You are not facing the risk of late fees, increased rates, or any other 'extra' costs.
The only commitment you make with a cash advance source is that your cash advance will be repaid on your next payday. If you do have a history of bad credit, a cash advance is the safest way to access the emergency funds you need.
Cash advances are designed to provide you with the cash you need between paydays. You should never take more than you can give back, and a cash advance source will not let you borrow more than you can afford. Cash advance sources will qualify you for a cash advance that you are capable of repaying on your next payday, and the money you need will be deposited directly into your bank account, where you can easily access it usually within 24 hours.
Don't be tricked into paying more than you can afford just because you have bad credit. If you have an urgent financial need, a cash advance is the most affordable and safest solution.