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InvisibleMrMaddHatter
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Credit card cash back?
    #5706933 - 06/03/06 09:39 AM (17 years, 7 months ago)

Does anyone know if I buy something at a store with my credit card, can I get cash back? I know with my debit/check card, I have a choice to get 20, 40, 60, or 80 bucks cash back.

I'm broke and need some cash so I going to go try to buy something small at wallyworld and get some cash.

:tongue:


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Invisiblegoobler
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Re: Credit card cash back? [Re: MrMaddHatter]
    #5706937 - 06/03/06 09:40 AM (17 years, 7 months ago)

at some places you can but not most

you can get cash from your CC through an ATM if you know your PIN


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Invisiblemycogirl
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Re: Credit card cash back? [Re: goobler]
    #5706940 - 06/03/06 09:43 AM (17 years, 7 months ago)

Becareful with that though, it's called a cash advance or some shit and the intrest is killer.


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InvisibleMrMaddHatter
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Re: Credit card cash back? [Re: goobler]
    #5706941 - 06/03/06 09:43 AM (17 years, 7 months ago)

"you can get cash from your CC through an ATM if you know your PIN"

Sweet. Does the PIN # come with the info they sent with the card, or do I have to call the CC company for it.

Thanks for the help. :cool:


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Offlinekosmic_charlie
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Re: Credit card cash back? [Re: MrMaddHatter]
    #5706943 - 06/03/06 09:44 AM (17 years, 7 months ago)

No you can't get cash back with a credit card only a debit card. But you can get cash with your credit card through an ATM machine but your credit card company will albsolutely rape you on interest so don't do it.


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Goin' where the water tastes like wine.


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InvisibleMrMaddHatter
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Re: Credit card cash back? [Re: kosmic_charlie]
    #5706950 - 06/03/06 09:48 AM (17 years, 7 months ago)

Well damn.

They charge interest just for taking the cash out? I'd have it paid back by next week. I'm just broke a shit and need a quick 100 bucks.


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InvisibleTrav
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Re: Credit card cash back? [Re: MrMaddHatter]
    #5706951 - 06/03/06 09:50 AM (17 years, 7 months ago)

If you pay it back that fast, then it's not enough time for the interest to build I wouldn't think. It's if you end up not having the cash next week, and before you know it you're paying 500 dollars for the 100 dollars cash you got out months ago.


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InvisibleMrMaddHatter
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Re: Credit card cash back? [Re: Trav]
    #5706956 - 06/03/06 09:53 AM (17 years, 7 months ago)

"It's if you end up not having the cash next week, and before you know it you're paying 500 dollars for the 100 dollars cash you got out months ago."

I'll definitely have it. My boss decided to go on a little vacation till Tuesday and didn't pay anybody. I gotta go buy some food beer and bud :crazy2:.


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Offlinekosmic_charlie
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Re: Credit card cash back? [Re: MrMaddHatter]
    #5706961 - 06/03/06 09:59 AM (17 years, 7 months ago)

Regular interest rates don't apply to cash advances. They're something like 25 or 30%. Also with most credit cards they charge a fee of 10 or 20 dollars just for the transaction right off the bat. Read your agreement. I bet for a $100 cash advance you'll end up paying about 30 bucks just for that "convenience." Just find a friend that wants to buy something and has the cash. Buy it for them using your credit card and have your friend pay you in cash.

But my advice is to not spend money that you don't have.


--------------------

Goin' where the water tastes like wine.


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InvisibleMrMaddHatter
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Re: Credit card cash back? [Re: kosmic_charlie]
    #5707032 - 06/03/06 10:40 AM (17 years, 7 months ago)

"But my advice is to not spend money that you don't have."

Can't argue with that :thumbup:.

I think I'm gonna break down and ask a family member for a loan.

Thanks for the help anyways guys.


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InvisibleDiploidM
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Re: Credit card cash back? [Re: MrMaddHatter]
    #5707315 - 06/03/06 12:18 PM (17 years, 7 months ago)

you can get cash from your CC through an ATM if you know your PIN

Be careful with that. A credit card is completely different than an ATM card with a Visa logo on it.

When you use a credit card to get cash, you're taking a cash advance. Most banks will hit you with a $10 fee for the advance, then they will charge you some absurd percentage interest on the cash advance way higher than an ordinary purchase.

To double the insult, when you pay down your credit card balance, it will be applied to the low-interest principle before it's applied to the cash advance principle.

The practical upshot of all this is that you'll be paying mega-interest on the entire cash advance amount until you pay off your existing credit card balance, and ONLY THEN will your payments start to pay down the cash advance.

If you can't make better than the minimum payments, you will be paying for the cash advance for years.


--------------------
Republican Values:

1) You can't get married to your spouse who is the same sex as you.
2) You can't have an abortion no matter how much you don't want a child.
3) You can't have a certain plant in your possession or you'll get locked up with a rapist and a murderer.

4) We need a smaller, less-intrusive government.


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