Possible Uses;
PayPal (do charge 3.4%)
Buying a Pre-paid credit or sterling travel card – I think most of these do charge high fees
or somehow set a web site that will “test” credit card payments without fee; allowing you to send the cash to your bank account?

If anybody has tried the methods above; or know any other; the information will be helpful.
UK based only really!!

Credit Cash Advance will typically get you charged 2.5% by the Credit Card Co.

I’ve not found anywhere that you can ‘buy’ money except as a cash advance (even Travel Ex etc. at the airport, where you buy foreign currency, it gets charged to your card as a ‘Cash Advance’ )

About the only trick I can suggest is buy something from M&S and take it back and see if you can convince them to give you cash instead of refunding your card (somehow I doubt it == retailers will be paying 2-3% to the Credit card Co. so they will want to recover that by doing a charge back). …

Of course if you have a DEBIT (as opposed to CREDIT) Card there’s no charge for cash (there’s all the ‘hole in the wall’ ATM’s plus most Supermarkets will do ‘cash back’ at the till).

The charges for the card you have are set, and if you get a cash advance, you’ll be charged. The car loan company won’t accept a credit card because they get charged a percentage of the amount (typically 1.5%) by their merchant services company (bank) for processing the transaction. On a debit card, they get charged a fixed amount of a few pence, and its worth them swallowing that charge.

The only way I can see you getting round that charge is to take out a card that has 0% on Money Transfers (as opposed to just balance transfers), and I think the MBNA Platinum Plus is the only card at the moment that offers this. See details at the top of the table

http://www.cardchoices.co.uk/compare-credit-cards/balance-transfer-credit-cards/

There’s more about cheap credit card loans here explaining the process of paying off loans and buying larger items with 0% deals here

http://www.cardchoices.co.uk/information/cheap-credit-card-loans/

That answer depends entirely upon the lender. The lender generally sets the policies, not the law.

So, you just need to shop around.

I’m not aware of any, so I don’t think I can answer your question. However, I’d like to ask how you got into financial difficulty. The reason I ask is that you have bad credit, yet want to owe someone else. I’m only guessing, but it sounds like you are doing what you have done before….borrow. If the money is for absolute survival, then I understand, if it’s not, then a change of spending habits is in order, or you will more than likely continue doing what you are doing without any positive changes that you could benefit from in the future.

I do wish you well.

the checks that you get in the statement are also cash advance checks but with a lower rate, or if you EVER made a cash advance with your credit card and haven’t paid the full balance of that advance, its still going to reflect on your bill. if you are 100% sure you didn’t do one, put in a claim and you will get your money back.

I guess you need payday loan. If can borrow money from a friend but don’t get a payday loan.

Thanks in Advance!

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Good luck!……

Unless someone is going to come to your house and break your legs if you don’t pony up the $150, DO NOT, repeat DO NOT use one of the cash advance/payday loan places. Their interest rates are as bad as a loan shark’s.

I don’t know what or who you need the $150 for, but try to work something out. Maybe you can pay $50 now, or whatever you have, and arrange to pay the rest at a later date. Then go to this site http://daveramsey.com/ and learn how to manage your money so you don’t get into this situation again. You can find Dave Ramsey’s book, The Total Money Makeover, in your local library. And you can listen to all three hours of his radio show FREE on his website. If you WANT to learn how to manage your finances and get out of debt, the information is there. All you have to have is the desire.

This is a bad bad idea. It sounds like you have a cash flow problem that is not going to go away with a high interest cash advance loan.This is a real answer.