Humans Need Not Apply
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The Rich in America: Power, Control, Wealth and the Elite Upper Class in the United States
The American upper class describes the sociological concept pertaining to the "top layer" of society in the United States. About the book: ...
Most credit card issuers charge either a flat fee or a percentage of the cash advance amount, whichever is greater. For example, a typical cash advance fee is the greater of $10 or 5%. So, if you take out a cash advance of $100 under these terms, your cash advance fee would be $10 since 5% of $100 is only $5.
Cash advances typically have higher interest rates than standard credit card purchases, with most APRs ranging from 19% to 22%. They also attract a fee worth 2-3% of the transaction and are not eligible for features such as interest-free days or reward points.
Unlike a debit card withdrawal, where you’re accessing your own funds, with a cash advance, your credit card company is essentially lending you money and charging your account. The charge will likely cost you; cash advances generally have a transaction fee and a higher annual percentage rate (APR).
As far as cash advances go, the BankAmericard Cash Rewards™ Visa offers a competitive 16.99% to 25.99% APR for cash advances, and its average minimum fee of $10 or 5% (whichever is higher) is a lower percentage than others on our list.
The median interest rate on cash advances was 24.24 percent. The median difference between interest rates on purchases versus cash advances was 6 percentage points. Seven cards generously offered the same rates on purchases as cash advances.