Hubby and I have worked for the last year to build our credit. We have read "Rich Dad, Poor Dad" By Robert Kiyosaki, "Young, Fabulous, & Broke" by Suze Orman (very good book, I highly recommend it), and several other financial education books. Besides the fact that I love them, they are very helpful. Well I have been wondering about another something I have always heard about. What about a cash advance or Payday loans? I have always been advised against them because of their high interest rates, and how people get into so much trouble with them. I have honestly seen three different people close to me struggle with this. So why am I considering it? Well, I don't need the loan, I need the credit. I have the money. I wouldn't have any trouble paying the loan back. In fact, I would probably turn around and pay it as soon as I got it. But can I get one based on credit? If so, is it way to build credit? This is why I am interested in them. To me, it seems like- with discipline- it would be a good way to build credit. Get a loan for $1000, make three payments, build credit. Rinse and repeat. Anybody know if it could work this way?