Not that I would ever use it, but I was just wondering what % of your credit limit can you take out as cash?
Here are a few key DPs' from my cards
Discover $5000 Limit, $50 cash advance limit
Regions $5500 Limit ,$1650 Cash advance limit (30%)
New Synovus card Limit $20000.00, $10,000 Cash advance limit (50%)
I thought this was pretty crazy 50% of my credit limit can be taken out as a cash advance.
Last Inquiry 12/23/2022 Ally Bank Mortgage
@tparks5961 wrote:Discover $5000 Limit, $50 cash advance limit
Mine was a whopping $50 too.($3k cl) Dh's $800 ($6.5k cl) So I called them up one day and asked if I was only good for $50 and why. lol! CSR was like, what do you want more for? I said I was curious if that's how Disco views me......ya know, $50. After the CSR put me on hold she then transferred me to another rep to see why $50. Then the rep said go to Walmart and pull out $120 (?) on a daily basis. I was like why? I don't need it I just wanted to know if that was normal. Is that what the Algorithm thinks I'm good for? Never got an official answer but I got a butt load of offers....I closed it right then and there. I didn't want the card any longer, (starter card) and it was annoying being rejected so much by that luv button. So I figured I better close it before they close it and mark it as "excessive luv button abuse" ...just kidding, curiosity killed the cat. All my others cards are higher ca limits (1.5 to 2.1k) so that makes me feel a little better; in an odd way.
@GApeachy wrote:
@tparks5961 wrote:Discover $5000 Limit, $50 cash advance limit
Mine was a whoping $50 too.($3k cl) Dh's $800 ($6.5k cl) So I called them up one day and asked if I was only good for $50 and why. lol! CSR was like, what do you want more for? I said I was curious if that's how Disco views me......ya know, $50. After the CSR put me on hold she then transferred me to another rep to see why $50. Then the rep said go to Walmart and pull out $120 (?) on a daily basis. I was like why? I don't need it I just wanted to know if that was normal. Is that what the Algorithm thinks I'm good for? Never got an official answer but I got a butt load of offers....I closed it right then and there. I didn't want the card any longer, (starter card) and it was annoying being rejected so much by that luv button. So I figured I better close it before they close it and mark it as "excessive luv button abuse" ...just kidding, curiosity killed the cat. All my others cards are higher ca limits (1.5 to 2.1k) so that makes me feel a little better; in an odd way.
You know Georgia Peach, why $50 cash limit? Sure seems a low and unusual amount? My 2 cents worth? 
So you don't feel alone, Citi Bank has one of my card's cash limit set at $180 and told me if I didn't like it to close the account as they would not budge (great customer relations).
@Anonymous
I think Disco was trying in a polite way to say, "Nope you not worth more than $50 and you're lucky you got that, we just can't go no lower."
OP I'm not saying that's the truth for anyone....it's just my version, my take in a joking kinda way. Hit the luv button with patience, enjoy a good card and who knows, maybe the ca limit will rise over time. Not that it really matters at all, I guess
I think this one varies from lender to lender AND profile to profile.
As mentioned, NFCU will allow 30% of your credit line to be used as cash advance.
For DW and I, that's nearly $37k in cash advance available. 
No, I don't intend to ever use it, but it's nice to know that I could.
Peachy, dont confuse the CA with what you could take out daily at a Walmart or Sams. One , the $50 is sn actual cash advance which these bsnks frown on, the other is treated like a regular purchase. I am only able to take out $60 at Sams with my Disco in comparison to my Wally or Sams which i believe was $100.
I just got approved for a PSECU Visa at $8k and a poster mentioned i could take it all out were i inclined
I just got approved for a PSECU Visa at $8k and a poster mentioned i could take it all out were i inclined
Yup, all depends on the lender. My NASA FCU CC, Penfed CCs, DCU and Redstone FCU CC has all the limits available to transfer.
All the CU cards used to be similar.
NFCU have since changed. They don't allow access to the total credit limits anymore for cash.
For me, Bank of America is roughly 35% of available limits.
Cap one around 40%.
All the CU cards used to be similar.
NFCU have since changed. They don't allow access to the total credit limits anymore for cash.
For me, Bank of America is roughly 35% of available limits.
Cap one around 40%.
