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The Pitfalls of a Cash Advance
Kiplinger's Personal Finance
|September 2025
NEARLY one in four Americans don't have an emergency fund, according to Bankrate.
If you're among those without enough cash on hand to cover an unexpected expense, you may be tempted to use a credit card cash advance as a quick solution. But you'll pay for the convenience in high interest and fees.
A cash advance is a short-term loan from your card issuer, allowing you to borrow against your card's credit limit, with no collateral required. You can typically get the cash at an ATM or a local bank branch.
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