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Previously many individuals that were struggling and needed to raise some fresh money choose a credit card or a bank loan. On the other hand, for many consumers these routes which have a credit requirement have closed up over recent days, with the global credit crunch causing in far tougher credit requirements that have left many would be borrowers with nowhere to look. This scenario means that people have had to look for different methods of getting money, and this is reflected in numbers that show an increase in the take up of payday loans.