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하지만, 이자율이 높고, 신용등급에 영향을 미칠 수 있다는 단점이 있습니다.특히 신용카드 현금화 후기를 보면, 일정 소득이 없는 상태에서 이 방법을 사용할 경우, 연체 위험과 신용도 저하, 카드깡의 가능성 등 악순환에 빠질 수 있다는 경고도 자주 나타납니다.�

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