subject: When Pay Day Loans Go Bad [print this page] On the other hand, there may be cases wherein while you are paying for your consolidated debts, you would need the extra cash. Of course, the worry there is where you will find the means. A useful advice is to obtain a credit card with a low credit limit. These are offered to individuals even when they have low credit scores. The interest rates would likely be minimal as well. You can obtain the cash that you need through cash advances. It is only important for you to bear in mind that you should make your timely payments with these advances.