Cash Advance

A cash advance isn't just for desparate people any more! These days, the economy is not entirely stable, and personal savings rates, investments, and total net worth are shrinking by the minute, it seems. The hits just keep coming... job losses, rising oil prices, falling home prices, mortgages and other loans are harder than ever to get, and even a gallon of milk seems pricey. More and more smart folks find that they need everything available on their side to stay afloat, and a cash advance is just one more useful tool, if used wisely.

A cash advance is a convenient, fast, secure alternative to many other options. For instance, it's a sure bet that credit card fees and fines for late payments are some of the most costly things that can occur to your personal finances. If you miss a $15 minimum payment, you could end up paying a $35 fee on that missed payment! That's not all you might pay, since your will also incur interest on that late amount, actually on top of the accrued interest of the remaining balance.

For only $15 you could have taken out a $100 cash advance to make that credit card payment, with no extra interest on either the credit card statement or the cash advance itself.

Staying on good terms with your credit card company has always been important, but that's doubly true these days, when every penny counts. Extra fees and fines can put you on the wrong side of the financial dividing line between staying afloat and financial disaster. Once you get on the list of bad customers, so to speak, your account gets flagged, and certain priveleges that come with a customer in good standing will be taken away. For example, credit card customers who keep their accounts in good standing are like every one else: sometimes they make mistakes too. When a good customer misses a payment, they can sometimes call the company and explain, and get a free pass. No charges, no extra fees or interest as long as the payment gets there fast.

So you can see why sometimes making that payment at all costs makes sense in the long run. Not that the cost is exorbitant for a cash advance. On average, borrowers will pay $15 per $100 borrowed. That's $15 to keep your credit card in good standing, and keep your fees down. That's $15 to avoid a $35 fee. Makes sense, right?

When you have a consistent job with regular pay, getting a cash advance is easy as pie. If you're a U.S. citizen and you're at least 18 years old, a cash advance can help you out in a cash flow emergency. Since you have a paycheck coming, it will be so easy to pay the loan back on time, with no hassles and no worries. It really can become part of your financial management toolbox, and at no great expense or hassle.

Used wisely, and paid back on time, yes it's true a cash advance can help save you money.

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