Can you withdraw cash from a credit card like a debit card?

[heartbroken22]

Instore when you do your shopping from groceries?

Does it show as a separate credit transaction on your statement?

Yes but avoid doing it if at all possible. You get charged a fee plus interest (possibly on your whole balance not just the cash but not sure) from day one so it is crazily expensive

Cashback allowed the money to appear to be groceries and did not usually incur an additional charge, smaller shops like Spar offered this.

Surely if you get cashback (local Waitrose still does it, not sure about others,) it will just show as £126.57 to the supermarket, not £76.57 + £50.00? It's how it shows on my statement if I use my debit card, a single transaction, but I haven't tried getting cashback on a credit card, and I don't know if they'd do it on a cc.

On the supermarket receipt, it shows two lines - cashback, then change for the same sum - the end total would still show as £126.57, and that's what the cc company sees, not the detail that you bought spuds, loo roll, shampoo and cashback.

I wouldn't use a cc to get cash from an ATM, unless a dire emergency, as that's where you get charged for the withdrawal, and get higher interest rates than on purchases. But I think but do not know that if your supermarket a) does cashback at all and b) does cashback for credit cards (rather than debit cards), you would be okay. But I don't know for sure.

I work in a supermarket. In ours the system will only allow you to take cashback out on a debit card. If a credit card is popped in it doesn't give us the option to put cashback in.

It would appear as one transaction on a bank statement.

You can't hide the cash advance - a lot of supermarkets don't even do the debit card cashback, pretty sure they never did for credit cards anyway - but a cash transaction shows up separately on a cc statement.

And you can't return an item for cash, either - refunds are made to the card.

I work in a supermarket and cashback is only available on debit cards that are inserted. Not with contactless payments or credit cards.

Would you be willing to tell us why you want to withdraw cash as part of cashback? And why it seems important to you to conceal this cash withdrawal on the statement?

There may be another way to meet your needs.

You cannot get cash back on a credit card, because it shows as a transaction and not cash withdrawal. Cash is charged separately on a credit card, as it incurs different interest rates and fees for withdrawal, and , as others have said, is a red flag for credit score that you're struggling with money

And why it seems important to you to conceal this cash withdrawal on the statement.

I meant "seems to be important to you" in the sense that it seems to me from your posts that it is important to conceal these transactions. I don't mean to indicate that the reasons aren't actually important.

I don't know what the rules are now, but it always used to be the case that cash withdrawals become interest chargeable immediately, even if you usually pay the card off in full every month.

Are you being financially controlled and trying to get cash out when you are "allowed" to buy groceries?

This I think is a really important question. A few days ago I saw a thread from a financially controlled woman who was looking for ideas to squirrel away unnoticed cash.

If this is your situation I’m sure posters can offer advice if you feel strong enough to say so…

Or maybe this advice could be offered anyway?

@heartbroken22 an alternative approach to cash back if you’re trying to squirrel away resources without being tracked might be to buy gift cards as part of your grocery shop. You can buy these with a credit card as part of your main shopping bill.

There are some things that gift cards can't buy, like train and coach tickets.

The Travel To Refuge scheme will give you a free train or National Express ticket to your refuge location once you have a confirmed rescue place.

That had crossed my mind, which was why I asked the XY Problem question. I didn't want to put words in OP's mouth. In hindsight, I should have worried less about that.

I wouldn't do this, you have to pay a cash advance fee

yeah not recommended but I remember once I reached my daily ATM cap when traveling and I had to use my credit card. The fee was around 5%.

I did this, but with a debit card, when I was in an abusive relationship. It showed as one transaction and allowed me to build up a reserve of cash without it being obvious. I'm glad some of the PPs asked, I was about to myself.