Which credit cards provide large Cash Advance limits?

[AverageJoesCredit]

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@jaxstraw wrote:

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@SouthJamaica wrote:

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@Anonymous wrote:

Hello everyone! I do a lot of real estate transactions and often need access to capital. I have missed a couple deals because I did not have enough cash for transaction as I had expensed it on another transaction or used for another purpose. I have 750 credit score and around 200k in credit limits with 0 balance. I am curious which credit cards offer cash advance for full credit line or close to it. I know some allow you such and am unfamiliar with which ones do. Any help is appreciated. 

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Your best cards for cash advances are no-fee, low interest, non-rewards platinum cards from credit unions. Good examples are: NFCU Platinum, PenFed Promise (may not be offered at this time), Unify FCU variable rate Platinum; Digital Credit Union Platinum, Chartway FCU Platinum.

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I would agree 100%.

I have been told directly by CSR at several credit unions to use the cash advance on a CC since they don't view it as derogatory like a bank issued CC.

One once tried to convince me not to open a PL and take the cash out on the CC instead.

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Just think if you had Navy Plat at 5.99% you use CA, it comes out to 7.99, not bad considering ie, i have a ploc with Langley with 7% apr so can be very similar and  nice to have.  I know for sure Navy doesnt frown on CA usage.

[barca]

Actually BOA allow direct cash deposit whether you have promotion or not.

The fees are insane but doable.

When my BOA cash reward was at like 50K credit limit - I had no BT offer. I called

I was told I have two options;

• I can do BT at my purchase APR(14.99%) + 3% fee or
• I can do direct deposit at 17.99% to my cheking + 3% fee

So at any given point you can do direct deposit of your credit limit at that insane rate. 

I am not suggesting you do it, but just to let you know it is always available for, at least in my case.(I checked online today, it is still there for 99.9K) lol

[FinStar]

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@barca wrote:

Actually BOA allow direct cash deposit whether you have promotion or not.

The fees are insane but doable.

When my BOA cash reward was at like 50K credit limit - I had no BT offer. I called

I was told I have two options;

• I can do BT at my purchase APR(14.99%) + 3% fee or
• I can do direct deposit at 17.99% to my cheking + 3% fee

So at any given point you can do direct deposit of your credit limit at that insane rate. 

I am not suggesting you do it, but just to let you know it is always available for, at least in my case.(I checked online today, it is still there for 99.9K) lol

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Right, but in the above scenario, the advantage of PLOCs would be more viable (to avoid BT fees) when CCs do not offer any BT promotions, especially on a fairly large advance. 

[barca]

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@FinStar wrote:

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@barca wrote:

Actually BOA allow direct cash deposit whether you have promotion or not.

The fees are insane but doable.

When my BOA cash reward was at like 50K credit limit - I had no BT offer. I called

I was told I have two options;

• I can do BT at my purchase APR(14.99%) + 3% fee or
• I can do direct deposit at 17.99% to my cheking + 3% fee

So at any given point you can do direct deposit of your credit limit at that insane rate. 

I am not suggesting you do it, but just to let you know it is always available for, at least in my case.(I checked online today, it is still there for 99.9K) lol

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Right, but in the above scenario, the advantage of PLOCs would be more viable (to avoid BT fees) when CCs do not offer any BT promotions, especially on a fairly large advance. 

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Correct. I never disagree that PLOC is a better option.

I am just letting OP and anyone know that the option is available in case you need emergency money.

Moreover, OP might not even be approved for the PLOC.

Hypothetically, I look at that direct deposit option as emegency money. Especially if you intend to pay it back in a few days

[Anonymous]

My DC offers the highest amount, 85% of my line, 34K at a ridiculous rate. 

[Anonymous]

USAA is 28k and 22k, Citi is 21,500, BOA is 10k - I would like 25k on a card to use like I can on my Keesler FCU. I have an offer for 0% on citi, but unsure if it is balance transfer. 

[Anonymous]

What are navy federal max credit limits? Also, do they allow you to take out full balance of CC? Also, if you know FICO they use for top tier that is useful too but not a must to know. Thanks for the help!

[Anonymous]

That is good to know about the BOA card. Could come in handy if I ever needed it, even though I would definitely not want to with that fee/rate. 

[Anonymous]

I also don't like PLOC as that goes on credit report as new account and rather just have access to cash right away.

[Anonymous]

Card Nut, what is My DC?