Decrease cash advance limit

[Ravensfan2001]

Has anyone ever requested to decrease their cash advance limit? DH has some bad habits, and I am hoping there is a way to lower the temptation without treating him like a kid by taking away his credit cards. I, not we, worked my butt off to repair our credit to buy our house and don't want anything to mess it up.

[Credit-hoarder]

Have the PIN removed from the account. I only keep PINs on 2 of my lowver limit cards to help resist temptation.

[MrPickleton]

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@Credit-hoarder wrote:

Have the PIN removed from the account. I only keep PINs on 2 of my lowver limit cards to help resist temptation.

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That only works for ATMs, he can still go in a bank and they can run it off their machine without a pin.

[longtimelurker]

Some people doing manufactured spend set their cash advance limit to 0.   This avoids unpleasant surprises when buying a new instrument you are not sure will be counted as purchase or a cash-equivalent cash advance.  It can be easily done with a phone call.  (Of course, your spouse may not like the solution!)

[Open123]

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@longtimelurker wrote:

Some people doing manufactured spend set their cash advance limit to 0.   This avoids unpleasant surprises when buying a new instrument you are not sure will be counted as purchase or a cash-equivalent cash advance.  It can be easily done with a phone call.  (Of course, your spouse may not like the solution!)

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+1

Have all my cards set to 0.  

Anyway, if I wanted a cash advance, there are much better ways than using their terms.  

[Ravensfan2001]

Thank you all for the advice. I actually don't think my husband will go for it. Maybe I can request the change in writing. Not trying to be sneaky, just worried about re-living our past. We live in the DC area, right near PG County, MD, where casino gambling was legalized last year. Now it's too close to home.

[youngandcreditwrthy]

He should know better! A 3-5% fee plus 20%+ apr!!!!! Noooooo!!!!
You better crack the whip! Lol jk :-p

[Kenny]

I like the idea of changing all of the cards to 0 to avoid a charge posted on something you didn't know would count as a cash advance. Will look into changing mine within the week. That's why I love reading this forum.. always find new useful info. TY everyone!

[longtimelurker]

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@KennyS2006 wrote:

I like the idea of changing all of the cards to 0 to avoid a charge posted on something you didn't know would count as a cash advance. Will look into changing mine within the week. That's why I love reading this forum.. always find new useful info. TY everyone!

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Right, the only disadvantage is when a group of narco-terrorists seize you at gunpoint and demand that you give them $15,000 in cash within the hour or they will kill you and your family.  Then having a cash advance limit set to 0 seems like a foolish decision.

So best advice is to avoid such situations.

[Ravensfan2001]

LOL! @longtimelurker

@youngandcreditworthy - The whips cracking, but either he ignores it, or likes it. He actually made a cash advance today, but thankfully, gave me the money to pay the card. I guess he won.