Savings can be kept to a maximum with a Cash Advance borrowed from a payday lender instead of a merchant or bank line of credit. The notorious fees that come with credit cards is just enormous when stacked within a year of paying just the minimum amount. Payments done this way often leads to unneeded debt and with millions of card users doing it all too often a paycheck cash advance can avoid late penalties and excessive finance charges. With the online service provided by most paycheck lenders getting cash to pay off the credit card bill can now be done within the day if so needed.