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Short on money? Using a credit card to get cash sounds quick, yet it comes with real costs and trade-offs you must weigh. == What "credit card cashing" really means == A cash advance lets you pull money against your credit line. Compared to swipes at stores, interest usually begins right away and the APR is often much higher. In addition, most issuers charge a few-percent cash-advance fee and terminal costs may apply.

== Quick example you can benchmark == Borrow $200. Pay a 3% fee plus a higher APR. If you repay after 21 days, the **total cost** is higher than it looks at the ATM. One big tip: minimize the amount and repay faster than your statement date. == When it can make sense (rare cases) == - An unexpected bill due this week - You can repay in days, not months - You confirmed APR/fees in your banking app == Red flags — avoid these situations == - Ongoing expenses — interest can snowball - Multiple small withdrawals — fees add up each time - Maxed utilization — may drag your score == Safer alternatives you can try now == - **Issuer installment plan**: some cards offer plans with **lower APR** than cash advances - **Balance transfer to checking** via issuer tools (where available) - **Sell unused items** on a local marketplace for instant cash - **Credit union small-dollar loan** with clear terms and capped fees == How to keep damage low if you must proceed == - Borrow the minimum and set a **payoff date** today - Pre-pay early to reduce interest - Avoid multiple withdrawals to cut repeated fees - Track the **ATM fee** and **advance fee** so you know the real APR == FAQs people ask == **Is a cash advance bad for credit?** It doesn’t create a new account, but high utilization can press down your score.

**What about cashing through payment apps?** Policies vary. Some routes treat it as a purchase, others code as an advance. Always check the issuer’s terms. Final word: a cash advance is a **tool for emergencies**, not a habit. Compare fees, try a safer route first, and if you still need it, clear it quickly. Learn more at https://www.creditcard.or.kr/.

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