Maria Adams, Credit Cards Moderator
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To get a Citibank credit card cash advance, you can either withdraw funds from an ATM or visit a local Citibank branch. For ATM transactions, you will need to request a 4-digit PIN, in case you did not receive one after being approved for an account.
What you should know about Citibank cash advances:
- Cash advance fee: Citi’s cash advance fee is 5% (min $10). There may be additional bank fees if you withdraw cash from an ATM.
- Cash advance APR: The Citibank cash advance APR can be as high as 29.99% (V), depending on the card. Cash advances accumulate daily interest from the time you make the transaction, with no grace period. New interest is added on top of any existing interest charges each day.
So, it’s best to pay off your Citibank cash advance as soon as you can, or better yet, just stay away from cash advances altogether.
- Cash advance limit: The Citibank credit card cash advance limit varies by cardholder, but it is usually a percentage of your total credit limit. You can view that information on your statement, online account, or by calling the number you see on the back of your card. Just note that there generally is a daily limit of $500 for Citi credit card cash advances.
As you can see, cash advances are expensive. So, it’s best to avoid them whenever possible. That’s true with all credit card companies, and Citibank is no exception.
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You can use your Home Depot card to get a Visa card at the store and then you can use the Visa card on where however you want I've done it many times
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