What are the Best Cash Advance Credit Cards for Poor Credit?

Cash advance credit cards can be a helpful tool for those who need quick access to funds. However, for people with poor credit, it can be difficult to find a card that offers this service. In this article, we will discuss the best cash advance credit cards for those with poor credit and provide some tips on how to use them responsibly.

Best Cash Advance Credit Cards for Poor Credit

1. Total Visa Unsecured Credit Card: This card is designed for people with poor credit. It offers a cash advance service with a fee of $5 or 5% of the amount of each cash advance, whichever is greater. The card also comes with a low credit limit, making it easier to manage.

2. First Access Visa Credit Card: Another option for those with poor credit, the First Access Visa Credit Card offers a cash advance service with a fee of $5 or 5% of the amount of each cash advance, whichever is greater. The card also comes with a low credit limit and can be used at millions of locations worldwide.

3. Surge Mastercard Credit Card: The Surge Mastercard Credit Card is also designed for people with poor credit. It offers a cash advance service with a fee of $10 or 5% of the amount of each cash advance, whichever is greater. The card also comes with a low credit limit and can be used anywhere Mastercard is accepted.

Tips for Using Cash Advance Credit Cards Responsibly

1. Avoid using cash advance credit cards for non-emergencies: Cash advance credit cards should only be used in emergencies or for unexpected expenses. It is important to have a budget and emergency fund in place to avoid relying on credit cards for everyday expenses.

2. Understand the fees: Cash advance fees can be high, so it is important to understand the fees associated with using the service. Make sure to read the terms and conditions of the card before using the cash advance service.

3. Pay off the balance as soon as possible: Cash advances accrue interest from the day they are taken out, so it is important to pay off the balance as soon as possible to avoid high interest charges.

4. Monitor your credit score: Using cash advance credit cards responsibly can help improve your credit score over time. Make sure to monitor your credit score regularly and take steps to improve it.

Other Credit Card Tips

1. Look for cards with no annual fee: Annual fees can add up over time, so it is important to look for credit cards with no annual fee.

2. Use rewards programs: Many credit cards offer rewards programs that can help you save money or earn cash back on purchases.

3. Avoid carrying a balance: Carrying a balance on your credit card can lead to high interest charges and negatively impact your credit score.

4. Choose a reputable credit card company: When choosing a credit card, it is important to choose a reputable company with good customer service and transparent fees.

In conclusion, cash advance credit cards can be a helpful tool for those with poor credit, but it is important to use them responsibly. Make sure to understand the fees associated with cash advances and pay off the balance as soon as possible. Additionally, it is important to monitor your credit score and choose a reputable credit card company.