Get a credit card so you can settle your debits monthly. If you pay it off in full each month you wont have to worry about interest charges and it will be easier to apply for other loans if you need them. Because if you end up needing a pay day loan it will financially destroy you.
Right I agree, but some people can't get approved for credit cards. & pay day loans have an interest rate of like 30%, and ExpressPay isn't a payday loan
