No, because the interest charged by her credit card will be less than the interest charged by the payday lender.
Usually, the amount given to you by the payday lender is already net of interest. So, if you applied for a loan of $100, you will be given an amount less than $100 but you still have to pay for $100. The interest of the loan have already been taken by the payday lender.
Because of the short span of time the payday lender has, it charges a higher interest than that of a credit card. You only pay interest on your credit card when you have an outstanding balance at the end of the monthly cut-off. If you pay off the total outstanding amount within the cut-off, no interest will be charged.
