{"id":28819,"date":"2025-03-02T16:47:06","date_gmt":"2025-03-02T11:17:06","guid":{"rendered":"https:\/\/carajput.com\/blog\/?p=28819"},"modified":"2025-03-27T16:21:22","modified_gmt":"2025-03-27T10:51:22","slug":"why-we-should-never-withdraw-cash-with-a-credit-card","status":"publish","type":"post","link":"https:\/\/carajput.com\/blog\/why-we-should-never-withdraw-cash-with-a-credit-card\/","title":{"rendered":"Why We Should Never Withdraw Cash with a Credit Card?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_88 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Page Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6ad2d4a009c0d\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #000000;color:#000000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #000000;color:#000000\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6ad2d4a009c0d\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/carajput.com\/blog\/why-we-should-never-withdraw-cash-with-a-credit-card\/#Why_we_should_Never_Withdraw_Cash_with_a_Credit_Card\" >Why we should Never Withdraw Cash with a Credit Card<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/carajput.com\/blog\/why-we-should-never-withdraw-cash-with-a-credit-card\/#High_Cash_Withdrawal_Charges\" >High Cash Withdrawal Charges<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/carajput.com\/blog\/why-we-should-never-withdraw-cash-with-a-credit-card\/#Immediate_Interest_Without_Grace_Period\" >Immediate Interest Without Grace Period<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/carajput.com\/blog\/why-we-should-never-withdraw-cash-with-a-credit-card\/#Reasons_Not_to_Withdraw_Cash_Using_a_Credit_Card\" >Reasons Not to Withdraw Cash Using a Credit Card<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/carajput.com\/blog\/why-we-should-never-withdraw-cash-with-a-credit-card\/#No_Reward_Points_Increased_Utilization_Ratio\" >No Reward Points &amp; Increased Utilization Ratio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/carajput.com\/blog\/why-we-should-never-withdraw-cash-with-a-credit-card\/#Possible_Credit_Limit_Reduction\" >Possible Credit Limit Reduction :<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/carajput.com\/blog\/why-we-should-never-withdraw-cash-with-a-credit-card\/#Alternatives_to_Avoid_Credit_Card_Cash_Withdrawals\" >Alternatives to Avoid Credit Card Cash Withdrawals\u00a0<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-28820\" src=\"https:\/\/carajput.com\/blog\/wp-content\/uploads\/2025\/03\/C-C-.jpg\" alt=\"Never Withdraw Cash with a Credit Card\" width=\"967\" height=\"427\" srcset=\"https:\/\/carajput.com\/blog\/wp-content\/uploads\/2025\/03\/C-C-.jpg 967w, https:\/\/carajput.com\/blog\/wp-content\/uploads\/2025\/03\/C-C--300x132.jpg 300w, https:\/\/carajput.com\/blog\/wp-content\/uploads\/2025\/03\/C-C--768x339.jpg 768w, https:\/\/carajput.com\/blog\/wp-content\/uploads\/2025\/03\/C-C--800x353.jpg 800w\" sizes=\"auto, (max-width: 967px) 100vw, 967px\" \/><\/h2>\n<h2><span class=\"ez-toc-section\" id=\"Why_we_should_Never_Withdraw_Cash_with_a_Credit_Card\"><\/span><span style=\"color: #000080;\"><strong>Why we should Never Withdraw Cash with a Credit Card<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Withdrawing cash using a credit card is one of the costliest financial mistakes you can make! why you should avoid it at all costs: Why You Should Never Withdraw Cash with a Credit Card. Key Points on Credit Card Cash Withdrawals<\/p>\n<ol>\n<li>\n<h3><span class=\"ez-toc-section\" id=\"High_Cash_Withdrawal_Charges\"><\/span><span style=\"color: #000080;\">High Cash Withdrawal Charges<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ol>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Banks charge 2.5% to 3% of the withdrawn amount, with a minimum charge of \u20b9250\u2013\u20b9500.<\/li>\n<li>Even if you withdraw a small amount, you still pay the minimum fee.<\/li>\n<li>Fees and Charges:\n<ul>\n<li>Cash Advance Fee: Typically around 2.5% of the withdrawal amount (min \u20b9250-\u20b9500).<\/li>\n<li>Finance Charges: Monthly interest ranging from 2.95% to 3.5%, translating to annual rates of 40.2% to 46.78%.<\/li>\n<li>No Grace Period: Interest accrues from the date of withdrawal<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ol start=\"2\">\n<li>\n<h3><span class=\"ez-toc-section\" id=\"Immediate_Interest_Without_Grace_Period\"><\/span><span style=\"color: #000080;\">Immediate Interest Without Grace Period<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ol>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Unlike normal credit card transactions, cash withdrawals attract interest from Day 1\u2014there\u2019s no interest-free period.<\/li>\n<li>Interest rates range from 36% to 48% per annum (around 3% to 4% per month).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p style=\"padding-left: 80px;\">Example:<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>ICICI Bank charges 3.40% per month (i.e., 40.8% annually) on cash withdrawals!<\/li>\n<li>If you withdraw \u20b910,000 and repay after 30 days, you might end up paying \u20b910,400 or more!<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ol start=\"3\">\n<li>\n<h3><span class=\"ez-toc-section\" id=\"Reasons_Not_to_Withdraw_Cash_Using_a_Credit_Card\"><\/span><span style=\"color: #000080;\">Reasons Not to Withdraw Cash Using a Credit Card<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ol>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>High Costs Unlike card purchases, cash withdrawals incur immediate interest and withdrawal fees. Example: R2.20 per R100 withdrawal at Nedbank ATMs, and higher fees at non-Nedbank ATMs.<\/li>\n<li>No Budget Facility Unlike purchases that can be converted into structured repayments (6 months \u2013 3 years), ATM withdrawals require immediate repayment.<\/li>\n<li>No Chargeback Protection : Credit card purchases offer dispute protection (chargebacks), allowing refunds for faulty goods. With cash withdrawals, you lose this protection.<\/li>\n<li>No Reward Points : ATM withdrawals don\u2019t earn loyalty points, reducing the benefits of using a credit card.<\/li>\n<li>Security Risk : Carrying cash increases theft risks, making electronic transactions safer.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p style=\"padding-left: 40px;\"><span style=\"color: #000080;\"><strong>Pros of Withdraw Cash with a Credit Card: Cash Advance Feature<\/strong><\/span> Allows us to withdraw cash from ATMs using a credit card but comes with high fees and interest rates.<\/p>\n<ol>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Instant cash availability.<\/li>\n<li>No approval or documentation needed.<\/li>\n<li>No spending restrictions.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p style=\"padding-left: 40px;\"><span style=\"color: #000080;\"><strong>Cons of Withdraw Cash with a Credit Card<\/strong>:<\/span><\/p>\n<ol>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>High charges.<\/li>\n<li>No reward points.<\/li>\n<li>Immediate interest accrual.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<ol start=\"4\">\n<li>\n<h3><span class=\"ez-toc-section\" id=\"No_Reward_Points_Increased_Utilization_Ratio\"><\/span><span style=\"color: #000080;\"><strong> No Reward Points &amp; Increased Utilization Ratio<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ol>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Cash withdrawals don\u2019t earn rewards or cashback.<\/li>\n<li>A high credit utilization ratio can hurt your credit score, making future loans costlier.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ol start=\"5\">\n<li>\n<h3><span class=\"ez-toc-section\" id=\"Possible_Credit_Limit_Reduction\"><\/span><span style=\"color: #000080;\"><strong> Possible Credit Limit Reduction : <\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Frequent cash withdrawals can signal financial distress to banks, leading to a credit limit reduction or even account closure. Ways to Minimize Fees:<\/li>\n<\/ol>\n<ol>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Avoid cash withdrawals unless absolutely necessary.<\/li>\n<li>Repay the amount as soon as possible.<\/li>\n<li>Withdraw only the minimum required.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<ol start=\"6\">\n<li>\n<h3><span class=\"ez-toc-section\" id=\"Alternatives_to_Avoid_Credit_Card_Cash_Withdrawals\"><\/span><span style=\"color: #000080;\"><strong> Alternatives to Avoid Credit Card Cash Withdrawals\u00a0<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/li>\n<\/ol>\n<p style=\"padding-left: 40px;\" data-start=\"714\" data-end=\"920\">If you&#8217;re in a financial crunch, it\u2019s often wiser to explore alternatives like a personal loan (which has lower interest rates), borrowing from a trusted friend or family member, or even a salary advance.<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Use Debit Cards \u2013 Withdraw cash from your bank account.<\/li>\n<li>Emergency Loan or Overdraft \u2013 Lower interest rates than credit card cash withdrawals.<\/li>\n<li>UPI or Digital Payments \u2013 Instead of cash, try digital transactions. Never use your credit card at an ATM unless it&#8217;s an absolute emergency! The costs far outweigh the benefits.<\/li>\n<li>Swipe your credit card directly for payments or use it online, but avoid treating it like a cash facility.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Why we should Never Withdraw Cash with a Credit Card Withdrawing cash using a credit card is one of the costliest financial mistakes you can make! why you should avoid it at all costs: Why You Should Never Withdraw Cash with a Credit Card. Key Points on Credit Card Cash Withdrawals High Cash Withdrawal Charges &hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[115],"tags":[10238],"class_list":["post-28819","post","type-post","status-publish","format-standard","hentry","category-cfo","tag-credit-card"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.2 - aioseo.com -->\n\t<meta name=\"description\" content=\"Avoid Credit Card Cash Withdrawal, Cash Withdrawal on Credit Card, Reasons Not to Withdraw Cash Using a Credit Card, High Cash Withdrawal Charges on Credit Card\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"Rajput Jain &amp; Associates\"\/>\n\t<meta name=\"keywords\" content=\"credit card,cfo\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/carajput.com\/blog\/why-we-should-never-withdraw-cash-with-a-credit-card\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 5.0.2\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Rajput Jain &amp; Associates | Updates on GST, Taxation and Company Laws\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"Why We Should Never Withdraw Cash with a Credit Card? 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