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Despite having the lowest fico score at 660, I'm getting deny from left to right from all prime lenders cc due to having too many recent accounts opened but I know for sure both my Merrick bank (CL of $ 1500) and Credit One (CL of $ 1000) allow full CL cash advance. I think it's because these lenders charge same interest rate for both purchase and cash advance.
@Anonymous wrote:Despite having the lowest fico score at 660, I'm getting deny from left to right from all prime lenders cc due to having too many recent accounts opened but I know for sure both my Merrick bank (CL of $ 1500) and Credit One (CL of $ 1000) allow full CL cash advance. I think it's because these lenders charge same interest rate for both purchase and cash advance.
What's the grace period, if any, on regular swipe charges on those two accounts?
Most lenders typically give you no grace period on cash advances, so if you do one, you end up paying interest immediately on that balance.
I have no idea what my cash advance limits are as I can't envision ever needing to do it. I did a cash advance once on a credit card when I was traveling because the foreign ATM machine ate BOTH my debit cards even though I had given a travel notification on both. I desperately needed about €60 for some reason and did it with a CU CC I had at the time. Think the standard rate back then was 7.99% and the cash advance rate was 12.99% which I thought was incredibly high, but I made an online payment to the card in advance so the interest charged was I think just 1 day (think it was like 3 cents or something).
@HeavenOhio wrote:My limits are all over the map, although I do see exactly 20% on two cards.
CA Limit / Total Limit
$700 / $3,700 ( Capital One Visa)
$7,000 / $13,000 (Capital One MasterCard)
$1,800 / $3,800 (Capital One MasterCard)
$1,400 / $7,000 (Chase Visa)
$3,000 / $24,000 (AMEX)
$1,000 / $5,000 (Barclays Visa)
Now Im curious also
CA Limit / Total Limit
$950 / $4750 Comenity SGV 20%
$1000/ $3750 Cap 1 QS
$2000/ $4150 Cap1 QS1
$2200/ $11000 Synch TJMaxx MC 20%
$2800/ $14000 Synch PP Extra MC 20%
$3500/ $3500 Penfed Power Cash
Before you even ask ... the Cap1 accts were PC from Plat cards. Still working on changing this. Both cards are 12+ years old and im not closing/combining them
I think its funny that my lowest CL is my higest CA-CL (Penfed)
OK so we're doing this now...
Amex BCE $800/$25000 (SL was $4000)
Amex EDP $4000/$20000
Amex Hilton Surpass $600/$15000 (SL was $3000)
Amex Delta Gold $2000/$12000 (SL was $10000)
BoA Cash $2400/$8000
BoA Travel $2400/$8000
Barclay Wyndham $2000/$5000
Barclay CashForward $1120/$2800
Barclay Apple $1600/$4000
Cap1 QS $3000/$10000
Chase Freedom $3960/$19800
Chase FU $2960/$14800
Chase IHG $1000/$5000
Citi DC $1400/$8000 (SL was $4500)
Citi TYP $2400/$8000 (SL was $8000)
Synovus Cash $4500/$9000
So policies seem to vary widely among issuers. Amex gives you 20% of your SL and doesn't change it with your purchase CL. Citi does the same thing except 30%. Chase gives you 20% but changes it with your CL. Barclay gives 40% and changes it with CL. Synovus gives 50% and changes it. BoA and Cap1 give 30%, but I have no data on whether those change since my CL hasn't changed on those.