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Donât worry about your credit score [link widoczny dla zalogowanych] 5. Better yet: Wait until age 70 Interest rates on credit cards can be up to six times the interest rates you could qualify for through peer-to-peer lending. If you already have a credit card and you take out a cash advance against your credit, most credit card companies charge an even higher interest rate on cash advances than they charge for purchases. The real catch is that most credit cards wont allow you to pay off your cash advance until youve paid the rest of your balance. For example, if your usual credit card interest rate is 20 percent, your credit card company might charge you 30 percent interest for a cash advance. Furthermore, the company wont allow you to pay off that cash advance until you have paid off the full balance for which you are paying 20 percent interest. This means your cash advance will sit and collect interest at a much higher rate until you can pay off all of the charges on your card that are not from cash advances.

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