The easiest way you can get a PIN for your Capital One Platinum is either online or by calling the number on the back of your card. Alternatively, you can request a PIN by mail.
Here’s how to get a PIN for your Capital One Platinum:
Online: To get your PIN online, log into your Capital One account and click on "More Account Settings," then "Control Your Card," and finally "Get a Cash Advance." You may have the option to get the PIN immediately by email or text. If not, it will come in 7-10 business days by mail
By phone: To order a PIN by phone, call the number on the back of your card and follow the directions given by Capital One’s automated system.
By mail: You can also request a PIN by mail that will arrive in 7-10 days. The address is:
Your Capital One cash advance limit is a portion of your card’s credit limit, usually 30% to 50% of your total credit limit. These limits are individualized, however, so you may have a different portion allotted for cash advances than other Capital One customers. It’s also good to keep in mind that ATMs can have their own withdrawal limits, so you may not be able to take out your full cash advance limit at every ATM.… read full answer
To find your Capital One cash advance limit, look at your most recent credit card statement and locate your “Available Credit for Cash Advances,” or log into your Capital One account online and click “View Details” under your card’s name at the top of the page.
Just remember that cash advances aren’t cheap. They usually include cash advance fees of 3%-5%. Also, the cash advance APR is usually higher than your purchase APR and it kicks in immediately, so it's best to avoid them if you have other options.
You can get a Capital One Platinum cash advance at an ATM as long as you have a cash advance PIN. You can request a cash advance PIN for your Capital One Platinum through your online account or by calling customer service at (800) 227-4825. To get a Capital One Platinum cash advance PIN online, log into… read full answer the Capital One website and click “I Want To…,” then “Get a Cash Advance PIN” (under the header “Control Your Card”). You’ll be able to get a PIN instantly delivered to your email or over text.
Here’s more info about Capital One Platinum cash advances:
Once you have the cash advance PIN, you can withdraw cash at an ATM the same way you’d do with a debit card. You can use non-Capital One ATMs, but you’ll be subject to additional fees (average $2.5). That would make cash advances even more expensive than they will be already. The Capital One Platinum has a cash advance fee of 3% (min $10), whichever is greater. The withdrawal will also be subject to a high APR. The Capital One Platinum cash advance APR is 26.99% (V).
Another way you may be able to take out a cash advance is by using Capital One credit card checks, which Capital One sends to some cardholders based on creditworthiness. There are checks for purchases, balance transfers, and cash advances. Essentially, they work the same way any check would and allow you to pay at places that may not accept credit. However, if you do use a cash advance check, standard cash advance fees and rates apply. If you weren’t sent credit card checks, you can call Capital One customer service at (800) 227-4825 and request them, but it’s not guaranteed your request will be granted.
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