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A quick payday loan, also called payday advances, is a short-term loan which covers the expenses of the debtor until the following payday. I am a college student, and have never had a credit card before, but I am looking for one now. Air miles credit card vs cashback - which is best. Some CC companies will only report if the AU is a family member andor at live at the same physical address. Transferring to direct unsubsidized loan. Your credit card will be of little value there.