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Cash advances



Sliding your credit card into an ATM machine may seem like a convenient way to get your hands on quick cash. But it also happens to be one of the most expensive ways to put money in your pocket - borrowed money, that is. For one, there is usually no grace period on cash advances. That means you're charged interest the second the ATM spits out the cash. In addition, credit card companies often charge a higher interest rate on cash advances than for purchases. So on top of the fee you'll pay to get a cash advance — typically around 2% of the total — you'll pay higher interest from the day you get it. With all of this in mind, you might want to reserve cash advances — loans — for true emergencies.

Using a bank debit card is a good alternative to cash advances using a credit card. Not only can you use a debit card to withdraw cash from your bank ATMs, but you can also use it like a credit card, with purchases coming directly out of your checking account without interest or fees. Some stores allow you to receive cash back on purchases with a debit card for a minimal fee. Learn more about the fine print in credit cards.

This article is provided for general guidance and information. It is not intended as, nor should it be construed to be, legal, financial or other professional advice. Please consult with your attorney or financial advisor to discuss any legal or financial issues involved with credit decisions.

 

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