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Money Minute - Avoiding Credit Card Fees
How do you avoid credit card fees? Our personal finance experts share some tips. What would you like our experts to talk about next time? Comment below.
A USAA credit card cash advance will cost you at least 3% of the amount withdrawn up to a maximum of $200, not including interest. That goes for all USAA credit cards. The 3% cost also doesn’t include any fees charged by either the owner of the ATM or the bank where you withdrew the funds.
Some financial institutions will charge a fee on cash advance transactions. You should contact your card issuer or review the terms in your cardholder agreement to verify whether you will be charged a fee for this service.
Yes, but USAA will charge you "interest on cash advance" monthly forever unless you pay off your entire balance. You can not know a balance on the cash advance and can never pay it off directly. It's a small charge, usually less than a dolloar a month(I guess, depending on the amount advance) but it is FOREVER unless you pay off your balance.
In fact, USAA guarantees this card charges the lowest rate for purchases, balance transfers, and cash advances among any of its cards. The card has no annual fee, no foreign transaction fee, and no penalty APR. Balance transfers and cash advances cost up to 3% of the transaction total.
USAA charges interest on the cash advance differently than regular credit card usage, so I decided to pay off the cash advance to save a few pennies each month. Now USAA says their policy doesn't allow me to pay just the cash advance.