There are two ways to get a cash advance on a credit card without a PIN. You can find a bank that does business with your credit card company, ask the teller for a cash advance and present your card along with a government issued photo ID. Or you can use credit access checks sent by your card’s issuer to withdraw cash at a bank. To get a cash advance with a credit card at an ATM, you need a PIN. But that’s easy to get. If you didn’t create a PIN when you activated your card, you should be able to call customer service, choose your number and get it set it up right away. Some issuers, such as Bank of America and Discover, also let you set a PIN online.
But whether or not you use a PIN, you’ll want to be careful about cash advances. They typically charge high interest rates and a 3%-5% fee. Plus, there’s no grace period, so interest starts accruing as soon as you complete the transaction. But unforeseen circumstances arise for everyone, so here are your options if you need cash but don’t have a PIN.
Options for getting a cash advance on a credit card without a PIN:
Bank teller: You can get a cash advance without a PIN at a bank branch, but you’ll need both your credit card and a government issued photo ID like a driver’s license or passport.
Access checks: If your credit card issuer has sent you access, or convenience, checks, you can use them to withdraw cash at any bank that accepts them. Access checks are blank checks that draw on your credit line rather than your checking account. Some issuers send access checks without being asked, but you can also request them by calling customer service. Keep in mind that access checks are subject to the same high APRs and lack of grace periods as cash advances.
Cash back with a debit card: If you need to make a transaction with a cash-only merchant, you could just get cash with a debit card. You won’t be able to borrow money with a debit card, but it could solve the issue at hand. Just go to an ATM or make a small purchase at a store and select the cash back option.
Prepaid card: A prepaid card is like a checking account with a debit card, minus the checkbook. You can use it to make purchases directly or to withdraw cash from ATMs. But it only allows you to use your own money and doesn’t help you build credit.
You can get a cash advance on a credit card without a PIN at a bank branch, either with access checks or with government-issued identification. And the security requirements for cash advances are a good thing, since they protect you from potential fraud.
Besides, setting up a PIN should only take a few minutes. Just remember that cash advances tend to be quite expensive and should be reserved for emergencies.