First Premier Bank Credit Card Cash Advance

To learn about the fees you may encounter doing cash advances read on.

If you have a credit card with a pin you can use an atm to get a cash advance. It can be as low as 3 or 2 max. Here s what you need to know. If you have a secured card you can only take out 10 of your initial deposit as a cash advance for the first 90 days.

Interest on a cash advance starts ticking right away. 75 125 the first year depending on credit limit. Otherwise you can request it from a bank that provides advances through your card s payment network such as visa or mastercard. Luckily your due date is at least 27 days after the close of each billing statement and you won t be charged interest on purchases as long as you pay your entire balance by the due date each month.

You can see that limit on your statement or find it by calling the number on the back of your card. If you would prefer not to pay atm fees go to the bank where your credit card was issued and ask for a cash advance in person. For unsecured cards cash advance limits depend on the actual limit they assign to you. Essentially you re borrowing against your credit card to put cash in your pocket.

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However there are costs to taking a credit card cash advance and in some cases limits on the amount you can withdraw. A 12 overdraft protection fee will be assessed to your checking account for each automatic transfer from a first premier bank line of credit to cover an overdraft. In the second it goes down to 45 per year. So be sure to check your first premier credit card s terms and conditions before you do a cash advance.

A credit card cash advance is a withdrawal of cash from your credit card account. 10 whichever is greater. It s 75 for the first year. 3 of the transaction amount in u s.

When you overdraw your checking account advances will be made in 300 increments. You ll pay a one time program fee to open the account which most card issuers don t charge. The annual percentage rate may change. The first premier bank credit card has one of the highest annual percentage rates apr for purchases as well as cash advances that i ve seen at 36.

Another way to get a cash advance is to ask your credit card company for cash advance checks which can be used like personal checks. Either way first premier bank cash advances are awfully expensive so avoid them at any cost. The first premier bank credit card has an extremely high apr and huge fees. Or it can be as high as 5 or 8 with no maximum.

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Either 8 or 5 of the amount of each cash advance whichever is greater. A cash advance allows you to get cash from your credit card like you would from your debit card account. Late payment penalty fee. The first premier bank mastercard credit card targets consumers with really bad credit.

Cash advance transaction fee. After that 45 to 49 depending on credit limit.