How to Turn a Credit Card Into Cash

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Credit cards offer borrowers freedom to purchase most items in most locations. However, there are certain situations where a borrower must use cash. However, with the proper information on credit card cash advances, checks and ATMs, a borrower can use a credit card to receive cash for purchases.

Step 1

Check your current and old credit card statements for blank checks. If checks are available, write a check to "Cash" with the desired amount. Take it to your bank or check cashing establishment to receive cash for the check amount.

Step 2

Use your credit card in an ATM to retrieve cash from your available cash advance limit. To do this you require a pin number for your credit card. If you do not have a pin number, contact the 800 number on the back of your card to request one.

Step 3

Take your credit card to any bank and request a cash advance on your card. The teller will run the card as if it were a purchase and give you cash in return. You will need to provide a driver's license with a physical address (not a PO Box) and sign a credit card slip to receive the cash.


Find out your credit card's policy on cash advances prior to attempting to procure one. Some have a limit of $500 per cash advance transaction, regardless of the cash advance limit.


Many credit cards have a cash advance limit that is less than the borrower's credit limit. Call your credit card company using the 800 number on the back of the credit card to request your cash advance limit prior to attempting to use it. If you attempt to get more cash than your limit, your card will be declined. Therefore, you can only request less than your limit when doing a cash advance on your credit card.