Would I be charged for a cash advance with visa if I have a negative account balance?
stell0603 asked:
I recently received a refund from a purchase on my Visa card and wanted the cash back, but I don't want to if I will be charged.
Negative balance means below 0 balance as opposed to positive balance.
The amount is substantial and I want it back because I don't use the card anymore.
Close the freaking account & then tehy will send you a check. Credit cards are snakes. Are you a snake handler? Then cancel them.
You will be charged at least $25 for going over your account limit plus up to $2.50 for getting the advance at an ATM. I'm a snake handler. I mean… wait…
If you call them up and request a check they should not charge you a Cash Advance Fee. However, with the time it takes to process that it might be better to just keep it on there and have it used as a credit the next time you use your card.
However, if you go to an ATM or bank and get cash that way you most likely would be charged the fee.
you could have asked the merchant if you can get cash back instead,if he /she agreed it would have been between you & the merchant.credit card would bill you as a purchase transaction.you get the cash and pay the credit card bill.no cash advance fee.then again it depends on the merchant. i hope it helps
If you have a checking account with that bank, often they can put the money into your checking account within a day or 2. Else, you have to request for them to send you a check.