To make a Capital One Secured credit card ATM withdrawal, use the card and the 4-digit PIN for the account at any ATM with a Mastercard logo. Insert the card into the ATM card reader, enter the PIN and select the cash advance menu. Enter a dollar amount up to the card’s cash advance limit and withdraw the cash. The steps may vary based on the ATM.
If you don’t have a PIN, contact customer service through your online account or call 1 (800) 227-4825. Just understand that a Capital One Secured credit card ATM withdrawal is a very expensive transaction. There’s a fee from the ATM owner, plus the card’s high cash advance fee and APR.
To get or reset your PIN, either log in to your online account or by call the number on the back of your card. You may be able to get your PIN instantly either by text or e-mail. In other cases, you will get it by mail in 7-10 business days.… read full answer
Other ways to do a Capital One cash advance include using a convenience check or visiting a Capital One branch.
A Capital One cash advance is convenient if you need emergency cash. But it is an expensive transaction. You’ll be charged a 3% (min $10) cash advance fee for each transaction, along with any ATM fees. You’ll also be charged a cash advance APR as high as 26.99% (V) that kicks in immediately.
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.
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