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Moreover, by definition, this exception would not require the consumer to decide whether to provide the lender an authorization to resume initiating payment transfer from her account on an ongoing basis.
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A cash advance on a credit card also may be possible, but it may have a higher interest rate than other sources of funds.
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Loans aren't hand-outs, and they shouldn't be approached as such; a bank's primary concern is determining whether or not you will be able to pay back your debt based on its time frame and agenda.