credit card cash advances cost 0.77% more in interest than advertised. 67% of cards charge a fee for withdrawing money from ATMs. Aussies spent $2.15 BILLION in past 12 months on cash advance interest
RateCity cautions credit card users on the real cost of cash advances

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Can I get a $1,500 payday loan with bad credit?
Yes, it may be possible to get a $1,500 payday loan with bad credit. Some payday lenders give loans to people with bad credit histories if they believe the borrower has the capacity to repay the loan.
Under Australia’s responsible lending rules, lenders aren’t allowed to approve $1,500 payday loans if they don’t believe the borrower can make the repayments.