A cash advance on a credit card is one of the worst types of borrowing because the interest rate is typically 21 percent or more.
The world needs another vehicle to get people to pay in cash.
Late payments also hurt your FICO score. And never, ever take out a cash advance on your credit card.
If you're in poverty and all you have is a debit card or a prepaid card or you pay in cash, it does not report to a credit bureau. If it doesn't report to a credit bureau, it cannot create a credit score for yourself.