trumpet-205 wrote:
tboy1977 wrote:I don't want the cash advance......I just want to be dealt with fairly. My goal is to get my secured cards as good as possible so when I finally enter the garden, I will stay a LONG TIME!
Besides 5% of $1500 is $75. I'm sure I wont go that far over limit :-)
You said you want to be prepared, which is why I suggested getting AMEX branded prepaid card instead (free ATM withdrawal). Cash advance has no grace period, so from day 1 you are charged with interest of 24.9% APR.
$750 cash advance limit is a lot actually, considering that my Chase Freedom card has $600 cash advance limit for $3K CL. That and the fact that each ATM imposes limit on cash advance withdrawal (which is more likely to be less than $750), you SHOULD be happy with a $750 cash advance limit. You are already being dealt fairly, perhaps too fairly.
Cap1 gave me a 100% cash advanced limit of $3000 which is crazy lol. and definitely. that APR can take you right up to your limit pretty quickly. After one year you'd be at over $1000 dollars 
A lot of people who get cash advances usually don't have means to pay them back.
