Credit Card Cash Advance Techniques信用卡现金提前技巧

Advanced Cash-Advance Techniques先进现金提前技巧
by Scott Bilker由斯科特bilker

S cott Bilker is the author of the best-selling book "Credit Card and Debt Management."作者是棉花收盘bilker的畅销书"信用卡和债务管理" He is also the Editor and publisher of the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).他还编辑和出版自由debtsmart®电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

Dear Scott,亲爱史葛
I recently read your article about buying a card with a card.我读到一篇有关你买卡用卡. I have a 0% interest card and plenty of balance so it seems like a good idea.我有兴趣0%卡余额热腾腾似乎像个好主意. Problem is the seller is a private party.问题是卖方是一个私营党. Obviously I can't use a convenience check or a cash advance or I'll blow the interest strategy.很明显,我不能用现金方便查核或提前或击我陪战略利益. Is there a way to pay a private party so that it appears as a purchase on the card and not an advance?有没有办法使党付出私人购买的作为似乎并没有预先卡? I have checked out PayPal but I'm not sure the seller is Internet active.我已看过,但我不知道paypal卖方是因特网活跃. Thanks.感谢.
--Tracy--了Tracy

Tracy,了Tracy,

Thanks for writing!写作感谢!

Note: Everything I suggest in this response is what I would do.注:这一切,我建议针对我会这样做. You must be careful to analyze your specific situation to be sure that it will work in your benefit.你必须小心你的具体情况来分析可以肯定,它将在你的工作效益.

Glad to hear the you read my article, Consider Financing Your Next Car with a Credit Card!高兴听到你看我文章,你认为未来融资车用信用卡!

It's great that you have a 0% deal on your credit card.它的伟大,你有你的信用卡交易0%. I've used these deals in the past to purchase a few vehicles.我用来购买这些交易在过去几车. Actually, it may not be such a problem that you seller is a private party.其实未必是这样一个问题,你是一个私人卖主. It's the same problem that you may face at a dealership.它可能面临同样的问题,您在证券.

Dealership say they accept credit card payments however, many will not let you purchase the entire car with your credit card.证券商说,他们接受信用卡付款,许多不会让你整个车你买信用卡. They'll allow you to put your down payment on the credit card but not the entire amount.他们就会让你把你的首付就整个信用卡而非数量. This is because they don't want to pay the merchant fees for accepting the card.这是因为他们不愿缴交费用,收受商人卡. These fees are probably at least 2%.这些费用可能至少2%. Therefore, a dealer would also ask you to use a personal check or bank check.因此,经销商也要求你用银行或搜身检查.

You need to find out if your 0% deal is good for cash advances.你需要看看你的好0%预支现金交易. I'm guess that this may not be the case or else you wouldn't be asking, nevertheless, you should give your credit card bank a call and tell them that you'll write yourself a check, and deposit it in your account, as long as it's at the 0% rate.我猜想,这未必如此,否则你不会要求,但是你应该打电话给你的信用卡、银行告诉他们,你自己写了检查,你就存帐户,只要它在0%税率.

If that doesn't work then ask them if they would give you that 0% rate if they, the bank, did a direct deposit into your checking, or savings, account.如果这行不通那么请问他们会给你,如果他们0%税率、银行、你做了检查,直接存款或者储蓄帐户. The key is to get that money in your account at the 0% rate, preferably without any cash advance fees, then use that money to write a bank-check to car seller.关键是要拿到这钱你帐户的0%利率最好预先收费没有现金,然后拿这些钱写一银行查到车卖方.

Say it's the case that they still will not do this.说是如此,他们仍是不会这样做的. They would probably entertain the idea of your transferring the balance from another card at the 0% rate, this way it's not a cash advance.他们可能把你的想法从另一个卡余额比率为0%,这样做的目的不是现金前进. Then, check with you other credit cards to find out if you can get a cash advance, with no fees.然后,询问大家找出其他信用卡如果你可以领钱的定金,不收费. If so, you can write a check with the second card, deposit it into your account, buy the car, then immediately call the 0% bank and do a balance transfer.如果是的话,你可以开票的第二牌,存到你帐户,购买汽车时,然后立即致电银行要求做好0%余额转移. When the smoke clears you'll have that car at 0%.当包包出清烟,轿车0%.

You just need to do one more thing which, is to mark your calendar as to when the 0% deal expires.你只需做一点,你是为纪念日历至于何时届满0%对待. You must be sure to pay that off before they hike your interest rate.你一定付出过,你才利率上涨. Also, don't be late paying on that 0% deal!另外,逾期不交就可以解决,0%! It's probably true that the offering bank will slap you with a crazy-high interest rate as a penalty.这大概不错,银行将向你提供了疯狂的高利率作为罚款. I've seen some as high as 26% for late payers.我看到有的高达26%,逾期缴纳.

Good luck and please let me know what happens!好运让我知道发生什么事情,请!

Regards,问候
Scott斯科特

For free information about how we can help you reduce your debt, please fill out our form .免费为您提供有关如何帮助您降低债务,我们请填写表格.