You can get a Sears credit card cash advance from pretty much any ATM that accepts Mastercard, both in the U.S. and abroad, once you request a PIN from customer service. Cash advances with the Sears card are very expensive, though. In addition to a hefty cash advance fee (5% or $5, whichever is more), an interest rate above 25% goes into effect immediately.
To do a Citibank cash advance, you can either withdraw funds from an ATM or visit a local Citibank branch and ask the teller for a cash advance. For ATM transactions, you will need to request a 4-digit PIN from Citi customer service if you did not receive one after being approved for an account. Lastly, you can use convenience checks (checks that access your card’s credit line) to make a cash withdrawal. Depending on your credit standing, you may be able to withdraw up to 50 percent of your credit limit.… read full answer
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. Citi’s cash advance fee is 5% of the amount withdrawn, and it can’t be lower than $10. There may be additional bank fees if you withdraw cash from an ATM.There’s also a separate APR for cash advances. It’s typically higher than the card’s regular APR.
The Citibank cash advance APR can be as high as 27.49% (V), depending on the card and your creditworthiness. 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.
There are a few ways to get a cash advance on a credit card without a PIN. The easiest way to withdraw cash from a credit card without a PIN is to visit 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. You could also ask your credit card’s issuer for so-called … read full answercredit access checks, which you can then use to withdraw cash from your credit line.
The other ways to get a cash advance on a credit card without a PIN are to purchase a money order from the likes of MoneyGram or Western Union, or link your credit card account to a service such as Amazon Pay. Alternatively, using an app such as Venmo, PayPal or Cash App can also help you pay people and businesses that can’t accept credit cards directly. Those services often charge a fee for using a credit card, but the transaction may actually be processed as a payment rather than a cash advance.
To get a cash advance with a credit card at an ATM, however, you need a PIN. But getting one is easy. 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.
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.
How to Withdraw Cash From 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.
Money-transfer service: You can buy a money order with a credit card from a service such as Western Union or MoneyGram. This would allow you to transfer funds to a recipient using just a phone number or email address. It won’t give you cash on the spot, but it could make it possible to ultimately spend part of your credit line in cash if you transfer the money to the right person. The transaction likely will be treated as a cash advance, however.
Digital payment service: Apps such as PayPal,Venmo and Cash App allow you to make payments from a linked credit card account. That could remove the need to withdraw cash altogether, though these services usually charge a fee. The transaction may or may not be considered a cash advance, too, depending on the service and the credit card. Similarly, you can link a credit card to an Amazon Pay account and pay a merchant that way. The merchant needs an Amazon "Recipient Name," however. And if you don’t mark the payment as being for "goods and services," the transaction will be considered a cash advance.
So, there are a handful of different ways to get a cash advance on a credit card without a PIN. Just remember that cash advances tend to be quite expensive and should be reserved for emergencies.
If you need a way to access cash on a regular basis, it’s best to look for a cheaper, more sustainable alternative. Two options in particular are good for the job, though each will usually require a PIN of its own.
For example, you could just get cash with a debit card. You won’t be able to borrow money with a debit card, but it would enable you to make purchases from cash-only merchants. Just go to an ATM or make a small purchase at a store and select the cash back option.
Using a prepaid card is another possibility. 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.
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