最佳现金透支信用卡

如果你’再缺一点钱,不要’没有储蓄账户,紧急资金或慷慨的朋友,您的选择非常有限。您可能不知道的是,可以像使用借记卡一样使用信用卡提取现金。但是听起来很有帮助,’这是您可以做的最糟糕的事情之一,在大多数情况下,它会再次困扰您。

从今天开始提高您的信用评分。

致电800-450-0779。

当您在ATM上使用信用卡时,’重新利用被称为“cash advance”,大多数信用卡都会向您收费。最终结果是债务增加,问题增加,而下次’面对这个难题,您的选择就更少了。

However, there are ways that you can avoid 预借现金 fees, including credit cards that don’t charge them.

$ 0信用卡现金预支费

Take a look at this list of the best credit cards with no 预借现金s. All these cards will check your creditworthiness and you will likely be refused if you have no credit or bad credit.

PenFed白金奖赏

顾名思义,PenFed Platinum是一种奖励性信用卡,针对不同的信用卡购买提供1到5点的积分,最优惠的价格是在加油站花费的钱。定期购买的APR非常可观,没有现金垫款费用,并且现金垫款APR较低。

当您在前三个月花费1,500美元时,将获得100美元的对账单信用额度,所有持卡人都可以使用礼品卡,预付卡等进行兑换。

军人和政府成员可以免费加入PenFed,其他人也可以通过捐赠$ 17来加入。

PenFed Promise Visa卡

如果PenFed白金卡不是’t quite what you’再找,无极签证可能更适合。无需担心高额费用,只需$ 0 余额转账费, no penalty APR, no foreign transaction fee, and no 预借现金 fee.

DCU Visa白金奖励

您需要这张Visa卡的优良信用,但是’这是值得的,因为没有现金垫款费用或年费,并且现金垫款年利率低。它’是一张奖励信用卡,但同一家金融机构也提供担保信用卡。您需要此奖励卡的优良信用评分,但是抵押版将提供给信誉欠佳的申请人。

诺克斯堡联邦信用合作社Visa白金

By joining the American Consumer Council, you can become part of the Fort Knox Federal Credit Union and get this Visa card. Interest charges are low and there is no 预借现金 fee, nor is there a 预借现金 APR to increase your 信用卡债务.

预付现金多少钱?

现金透支费因卡而异,但我们可以以Chase Freedom为例。它’是美国最受欢迎的信用卡之一,其收费与其他信用卡所收取的费用保持一致。 

This card charges the larger of $10 or 5% for every 预借现金. 如果你 withdraw $20, you’ll pay a $10 fee. 如果你 withdraw $400, you’ll pay $20. And that’s not all, as 预借现金s are also subject to an additional 利率 为26.49%,高于此卡的最高常规费率。

And if you think that your airmiles or cash back will help to alleviate some of the costs, think again. Not only are 预借现金s excluded from reward programs, but most reward cards will prevent you from turning cash back and rewards into actual cash. 

充其量您可以将钱提取到支票帐户(然后可以提取为现金),对于大多数卡,这些钱可以兑换为折扣,旅行赠品,礼品卡和对帐单。

何时收取现金预付款费?

有一个危险且通常代价高昂的误解,提示仅在您从ATM取款时才收取现金预付款。这肯定是有道理的,因为这是将信用额转换为现金的唯一真实方法,但是实际上可以对许多购买征收这些费用,其中一些可能会让您感到惊讶:

  • 透支保护措施
  • 汇票购买
  • 礼券或可充值礼品卡
  • 彩票
  • 购买外币
  • 在赌场花的钱(离线和在线)
  • 向其他用户汇款

这些费用是’t charged by all providers all of the time, but this is generally what constitutes a 预借现金 fee. Generally speaking, any time you use your card to gain cash or take a significant risk, you may be hit with a 预借现金 fee and APR. 

You may also be charged additional ATM fees and when you combine these fees with the 预借现金 APR, even the smallest withdrawal could cost you severely.

如何避免现金透支费

如果你 don’t use a zero 预借现金 credit card, the only way to avoid these charges is not to make payments in cash. 如果你 need a large cash amount, look into a personal loan instead; if it’少量,问问朋友或家人或出售您拥有的东西。始终努力寻找替代方案。

同样,’s better to take out a 预借现金 of $100 to last you for a few weeks rather than 10 staggered payments of $10. The interest payment will be the same in both cases, but in the first instance you’会支付$ 10的费用,第二秒钟您’ll pay $100.

发薪日贷款可能是一种可行的选择,假设您生活在一个过渡期有限的州,并且您可以迅速还清债务。但这也可能是有问题的。

现金透支限额

可以从信用卡中提取现金的限额是有限制的’通常少于信用额度。该限额取决于您的信用卡发行商和您要从中提款的ATM。信用卡可能也有最低提款限额,但是大多数提供商没有这样的限额。

It’s also worth noting that 预借现金 fees do not have a grace period. Typically, when you start using a new credit card, there is a grace period during which time you won’t be charged interest. With 预借现金s, no such period exists and those high-interest rates will commence straight away.

底线:不惜一切代价避免

Now you know how it works, you also know to avoid 预借现金s at all costs. Only withdraw cash as an absolute last resort, when you’我已经用尽了所有其他选择,并且对它的成功充满信心’不会对您的财务造成严重的负面影响。