How do i get money out off my credit card?

[Biglips]

as i need money to pay for a bathroom that is getting done this weekend

Can you not pay by card? Some CCs have a pin number and/or cheque book. Cash is usually a higher rate though.

You can take cash out like a debit card from a machine using your pin number. There will be a daily limit though so you can take out thousands!

interest for cash advance is astronomical
PLUs if you have an outstanding balance it always means you pay off the cash advance LAST therefore costing you squidloads more.

the money i like to take out is not a bank but a cc company

ring them and ask?

you do, you pay through the nose..wont they accept cc? gives you a protection too i think..

pin and chip at bank machine..

agree it's gonna cost you

best if it's a big amount to try to get a loan or something?

yes i will ring them as its a friend who doing the tiling and wanted cash in hand as its my dp's friend

That will be eye wateringly expensive, I shudder to think of the APR.

cant they hang on, if mate etc..or have bit now bit later, you will pay loads of interest and charges etc...

they charge a standard fee on top of the apr as well for cash advances I think

is there really no more sensible way you could do this? paying him in installments with a little bit extra for him, if he's a friend, for waiting longer, would surely be a better solution than paying all your money to a credit card company

Biglips do anything but get out a large amount of money on your cc - it will take AGES to pay off.
Could you not wait till next month to get it done when you have the cash to pay for it?

well dp is taking over his bosses business in April and will have the cash to pay it off very quickly

you would be extremely foolish to take money out on your CC

get a loan / overdraft

but you'll end up paying anywhere from 14% - 30% interest

you'll end up paying 14 - 30 % if you take a cash advance on your credit card

well i have got an overdraft atm that im trying to get out of it

i think you pay interest from the day you take money /cash out too so none of the 28days like with purchases.

Could you not wait till April when you can afford it?

even the head of barclaycard said that taking money out on credit cards is a stupid move

although what you could do is take out a 0% interest card then transfer the balance .. it'll probably cost you 2% up to £50 max .. depends how much you're plannign on spending I suppose

Twig - apparently most of those 0% and balance transfers EXCLUDE cash advances.

yes they do .. but you take it out on existing card then transfer the balance over and they don't know what's cash and what's credit IYSWIM ..

a few times we've ended up with companies putting the money in our bank account so that we can they pay it off .. I think Virgin are one of those types

I'm tempeted to be really rude and presumptive and say if you have not got cash to pay someone for doing something and are having to resort to cash advances on cc, then you really should not be spending anything.
sorry I know that's really rude but if you're overdrawn to the max...
I worry xx

weve decided to use the overdraft as we can pay that back by the end of the month

we arent patience people you see!