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November 28, 2023

How to Liquidate a Credit Card into Cash: What's the Cost?

Discover how to turn your credit card into cash and the associated costs. Explore cash advances, balance transfers, and more in this comprehensive guide.

Introduction

Have you ever found yourself needing cash urgently, but your wallet is empty, and your bank account isn't much help either? It is a predicament many of us have faced at one point or another. What if I told you that your trusted credit card could come to the rescue? Yes, you read that right. You can turn your credit card into cold, hard cash. 

In this article, we explore the intriguing world of liquidating a credit card into cash and understand its costs.

Read more: The best day to pay your credit cards

Turning Plastic into Cash: A Quick Guide

So, you might wonder, can you transform a piece of plastic into cash? The answer is a resounding yes! While it is essential to use your credit card wisely and avoid excessive debt, cash is king in some situations. 

Here's a concise guide to help you make the most of your credit card when you need cash quickly.

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1. Cash Advances: The Go-to Solution

Cash advances are a relatively straightforward way to get cash from your credit card. This method involves using your credit card at an ATM to withdraw money. However, it is crucial to understand that cash advances come with several costs.

Here's how it works: You visit an ATM, insert your credit card, and select the cash advance option. You'll be prompted to enter the amount you want to withdraw. 

The cost of cash advances can be significant. First, you'll be charged a cash advance fee, typically a flat rate or a percentage of the amount you withdraw. On top of this fee, you will incur interest when you withdraw the cash. [1]

2. Balance Transfers: A More Affordable Alternative

Another way to obtain cash from your credit card is by using a balance transfer. While this method does not put cash directly in your hands, it allows you to transfer a balance from your credit card to another account.

Many credit card companies offer balance transfer checks or allow you to initiate transfers online. The advantage of this method is that you can often take advantage of promotional interest rates.

However, remember that balance transfers often come with their costs. There's usually a balance transfer fee, typically a percentage of the transferred amount. Additionally, the promotional interest rate is usually temporary, so paying off the transferred balance promptly is essential to avoid high interest charges in the future.[2]

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3. Buy a Cash Equivalent

Sometimes, you might not need physical cash but rather the ability to pay for something where credit cards are not accepted. In such cases, you can purchase a cash equivalent with your credit card. One popular option is to buy prepaid gift cards, which are widely accepted in most places.

Let's say you have a credit card with a $1,000 credit limit and need cash to pay for rent. Instead of taking out a costly cash advance, you can purchase a prepaid gift card worth the amount you need. This allows you to indirectly convert your credit into cash-like value without the high fees associated with cash advances.

Remember that buying cash equivalents usually involves a small fee, often a percentage of the amount loaded onto the card. [3]

4. Peer-to-Peer Payment Services

The digital age has ushered in an era of convenience and versatility when managing our finances. Peer-to-peer payment services like PayPal, Venmo, and Cash App have made transferring cash from your credit card to your bank account easier than ever.

With these platforms, you can link your credit card, initiate a transfer to your bank account, and access the funds within a few business days.[4]

5. Emergency Loan from Your Credit Card Company

In certain situations, credit card companies might offer you the option to take an emergency loan directly from your card. This is typically reserved for cardholders facing a financial crisis, and it's not a feature you can count on accessing freely.

An emergency loan works by allowing you to borrow a specific amount of cash from your available credit limit, which is then paid back over time with interest. While this method is relatively convenient, the interest rate and terms can vary.[5]

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The Cost of Liquidating Your Credit Card: Explained

Now that we've explored the various methods for turning your credit card into cash, it is time to delve into the costs involved. The price of liquidating your credit card can vary significantly depending on the method you choose, your credit card's terms, and your financial habits.

1. Cash Advance Fees

As mentioned earlier, cash advances come with fees that can quickly add up. These typically include:

  • Cash advance fee: This is usually a flat fee or a percentage of your withdrawal amount. It can range from 3% to 5% of the total amount
  • Interest charges: Interest on cash advances begins accruing immediately and is often higher than your standard credit card purchases. The average interest rate for cash advances is around 25%, but it can go higher[6]

2. Balance Transfer Costs

Balance transfers offer a more cost-effective way to access cash from your credit card, but they're not entirely fee-free. Costs associated with balance transfers may include:

  • Balance transfer fee: This fee is typically a percentage of the amount being transferred, often around 3% to 5%
  • Promotional interest rate limitations: While you might enjoy a lower interest rate initially, paying off the balance within the promotional period is essential, as the rate may increase significantly afterward[6]

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3. Cash Equivalent Expenses

Purchasing cash equivalents like prepaid gift cards can be a more economical way to access funds, but they're not entirely fee-free:

  • Purchase fee: You may incur a small fee, typically around 3% to 5% of the amount loaded onto the card[6]

4. Peer-to-Peer Payment Services

Most peer-to-peer payment services are free to use for transferring money from your credit card to your bank account. However, they may limit the amount you can transfer, and there might be nominal fees for expedited transfers or other services.[6]

5. Emergency Loans

If your credit card company offers an emergency loan option, the cost will depend on the terms they set. [6]

Read more: What happens when you default on a credit card?

Conclusion

Liquidating a credit card into cash is possible, but it comes at a cost. Before opting for any method, it's crucial to consider your financial situation, the urgency of your need, and the costs involved. 

Remember, your credit card is a valuable financial tool, but it should be used cautiously and carefully, considering the costs involved when converting it into cash. 

In the end, balancing your immediate financial needs and long-term financial health is key to making the right choice when liquidating your credit card.

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References

  1. https://www.investopedia.com/terms/c/cashadvance.asp
  2. https://www.nerdwallet.com/article/credit-cards/balance-transfer#:~:text=A%20balance%20transfer%20is%20a,interest%20charges%20if%20done%20strategically.
  3. https://www.investopedia.com/terms/c/cashequivalents.asp
  4. https://www.nerdwallet.com/article/banking/p2p-payment-systems
  5. https://www.tatacapital.com/blog/personal-use-loan/what-is-emergency-loan/
  6. https://www.investopedia.com/can-you-withdraw-money-from-a-credit-card-5069562

FAQs

1. Can I get cash from my credit card without incurring fees?

While some methods, like peer-to-peer transfers, might have minimal fees, most cash access methods come with charges. Cash advances and balance transfers typically involve fees.

2. What is the maximum amount I can withdraw as a cash advance?

The maximum cash advance amount is usually a percentage of your credit limit, typically around 20% to 30%. However, it can vary depending on your credit card provider and individual circumstances.

3. Are there any alternatives to converting my credit card into cash?

Yes, alternatives exist. You can explore borrowing from a traditional personal loan, family or friends or tapping into an emergency fund, which might be more cost-effective than some credit card methods.

4. How can I minimize the costs when converting credit to cash?

To minimize costs, consider balance transfers with low promotional interest rates or opt for peer-to-peer payment services with minimal fees. 

5. What are the potential risks of converting credit to cash?

Converting credit to cash can lead to higher interest charges and fees. It may also negatively impact your credit score if you carry a high balance.

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This is some text inside of a div block.

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This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
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This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.

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Credit
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This is some text inside of a div block.
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Credit
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Credit
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Credit
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This is some text inside of a div block.
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Credit
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This is some text inside of a div block.
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This is some text inside of a div block.
This is some text inside of a div block.

Heading

Credit
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
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This is some text inside of a div block.

Heading

Credit
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This is some text inside of a div block.
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This is some text inside of a div block.
This is some text inside of a div block.
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