You can get a Best Buy Credit Card cash advance by requesting a PIN and going to an ATM to get your cash. You won’t be able to do a cash advance inside a Citibank branch with the Best Buy Credit Card, according to Citibank customer service, so you’ll need to find an ATM that accepts Visa cards. Note that you can’t do a cash advance at all with the Best Buy Store Card – only the Visa version allows cash advances.
How to get a Best Buy Credit Card cash advance:
Request a PIN. Call customer service at 888-574-1301, enter your Best Buy Credit Card number, and request your PIN.
Bring your Best Buy Credit Card to an ATM. Citibank-branded ATMs are your best bet for a cash advance without an ATM fee.
Insert your Best Buy Credit Card into the ATM. Enter your PIN when prompted.
Select “Cash Advance” from the menu options. Follow the prompts on the screen.
Choose the amount of cash you want to take out. You may only be allowed to choose increments of $20, depending on the ATM.
Take your cash. Don’t forget to take your receipt.
Keep in mind that there is a limit on the amount you’re eligible to withdraw. Your Best Buy Credit Card cash advance limit is listed on your monthly statement. Cash advance limits are typically a fraction of your overall credit limit. Remember that the amount you withdraw as a cash advance will immediately begin accruing interest at a high rate. You will also be assessed a hefty cash advance fee.
First off, make sure you have a PIN. Once you have that and your card is activated, you can just go to an ATM that takes Visa. That's pretty much all ATM's, really. Keep in mind, the fees will definitely sting, and the interest will start piling on right away, so don't do it too often.
To get a cash advance from a credit card, insert the credit card into an ATM, enter the credit card account’s four-digit PIN, and withdraw cash from the card’s credit line. Cardholders who do not have a PIN can request one from their credit card’s issuer in order to do a cash advance.… read full answer
Other ways to get a credit card cash advance include writing yourself a convenience check or taking out cash in person at a bank branch. Each method of getting a cash advance has different steps, and some methods require previous preparation.
How to Get a Cash Advance From a Credit Card at an ATM:
Request a PIN from the credit card’s issuer. Some credit card companies allow you to do this online, but usually you will have to call customer service to make the PIN request.
Insert your credit card at an ATM, and enter the PIN.
Choose the “Cash Advance” option and request the dollar amount you’d like to take out.
Take your cash.
Pay the credit card’s cash advance fee (and the ATM-owner fee, if applicable), along with interest that will begin accruing immediately. There are no grace periods on cash advances.
Other Ways to Get a Credit Card Cash Advance:
Use a convenience check. Card issuers sometimes send out convenience checks linked to credit card accounts, and they work just like a regular check, but they count as a cash advance. If your bank hasn’t sent you convenience checks in the mail, you can request them. Some card issuers will let you request them online, but otherwise you should call customer service to request checks. To get a cash advance with a convenience check, simply write out the check to yourself, then cash the check or deposit it into your bank account.
Ask in-person at a branch location. Simply bring your credit card and a valid photo ID to your card issuer’s physical location. Ask the teller to give you a cash advance for the amount you’d like.
No matter which way you take out a cash advance with a credit card, it’s important to keep in mind the expenses that come along with one. You’ll most likely have to pay a cash advance fee, as well as a high cash advance APR that kicks in immediately. This is why cash advances should only be used as a last resort when you’re in need of an emergency cash loan, and why you should try to repay them quickly.
The main Best Buy credit card requirements are a fair or good credit score and some form of income. You also need to be at least 18 years old and have both a U.S. address and an SSN. But the requirements for the Best Buy Store Card, which you can use only at Best Buy, aren’t as strict as those for the Best Buy Visa, which you can use anywhere. For example, you’ll need a 640+ credit score for the Store Card but 700+ for the Visa. … read full answer
Exactly what Citi, the issuer, looks for isn’t public knowledge, of course. But you can at least work on improving the major things that matter most before applying.
Here are the Best Buy credit card requirements:
640+ credit score. This will give you good odds for the Best Buy Store Card, but you need a 700+ credit score to be in the running for the Visa.
Income. Creditors must confirm your ability to pay before approving you for an account. You’ll naturally need more income for the Visa than the Store Card.
Basic requirements. You need to be at least 18 years old with a U.S. mailing address and a Social Security Number.
Other factors. Citi will take plenty of other things into consideration, like your debts and the number of cards you’ve opened recently.
Overall, the Best Buy credit card requirements aren’t too bad if you’re just looking to get the Store Card. The average person should be able to meet them. The Best Buy Visa, however, is quite a bit harder to get.
If you have bad credit, you may want to consider a secured credit card instead. Capital One and Discover have good ones.
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