How To Save Money On Credit Cards如何省钱信用卡

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Some credit cards offer a cash advance option.有些信用卡提供现金选择。 But how good a deal is this?但如何处理好是怎么回事？

Not very.不是很。 In fact, it can be downright expensive.事实上，它可以彻底昂贵。

Why?为什么？

Because every time you use your credit card to withdraw case, more fees kick in:因为每当您使用您的信用卡撤回情况下，更多的费用踢的位置：

• Cash advances can carry an upfront fee of 2 percent to 4 percent of the amount advanced.现金垫款可携带的前期费用控制在百分之二至百分之四的先进的数额。

• The advances have a higher interest rate than regular card charges.的进步有一个较高的利率比普通卡收费。

• Interest charges begin to mount as soon as the money comes out of the ATM.利息费用开始安装尽快将钱出来的ATM机。

• Many issuers also require you to pay down the balances for purchases before you pay down the higher-interest cash advance balance.许多发卡行也要求您支付结余用于购买之前，先支付更高的利息现金预付款的余额。

Here's an example of how these fees kick in:下面是一个例子，说明这些收费踢的位置：

Assume you bought a television for $500 on your card and then took out $50 in cash.假设你买了电视500美元的卡，然后掏出50元现金。 Even though you pay the $50 back the next day, you still lose your interest-free period because the credit provider deems you pay the cash back last.即使你支付50美元后第二天，你还失去您的无息期，因为信贷提供者认为您支付的现金回到过去。

As a result you will still owe the $50, but you will now only owe $450 on the $500 worth of purchases.由于你会还欠50美元，但你现在将只欠450元的价值500美元的采购。

You'll continue to forfeit your interest-free period up until you have completely paid back the full $550.你会继续失去您的无息期，直到你已经完全还清全部550美元。 Any future purchases will still be ahead of the $50 in the payback line.今后的任何采购仍将是今后的50美元的回报线。

The lesson is simple: Avoid using your credit card to withdraw cash wherever possible.这个教训很简单：避免使用您的信用卡现金撤回在可能的情况下。 You'll save money as a result!您省钱，由于！

Paul Davis is financial writer and contributor to http://debt-elimination-4u.com .保罗戴维斯是金融作家和贡献者http://debt-elimination-4u.com 。 Stop by and pick up your FREE guide on how to get out of debt now at: http://debt-elimination-4u.com/get-out-of-debt.htm停止，并拿起您的免费指导如何摆脱债务现在在： http://debt-elimination-4u.com/get-out-of-debt.htm

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