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Often, however, they can get that something by buying it with their credit card, even if they can't pay for it outright and will have to pay off the balance on the card in installments. So which method It is not unlike a payday loan, only the funds are being advanced not against your paycheck but against your card's line of credit.

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CONSUMER RESPONSIBILITIES: • PAY BACK YOUR LOAN! Know when each payment is due and be sure to repay the loan on time and in full. • Borrow only as much money as you can afford to fully repay on the repayment date. • Read the contract thoroughly and be sure that you understand all the terms and conditions