<prompt> Human: Hey personal finance,Have a question about credit cards- I have some debts with interest that I am trying to pay off. One of the ways I plan to pay off some of the debt is to use credit cards with 0 APR for 12-15 months. That way I can pay off these cards without having to pay interest. Because the rates on the cards are comparable to my debt, even if I dont pay the cards off within the first 12-15 months it wont be any different than it is now, except I will have an entire year to pay it off to reduce the principal.My main question is- how do I convert credit cards into cash? Is there any way to do this? Paying limited fees for doing this? Any help on this is much appreciated.Thanks,Mark  <response>: Cash advances have much higher fees and interest rates than regular credit card transactions. Theyre almost always exempt from 0 promotions, as well. Fiscally, it probably doesnt make sense unless youre trying to pay off insane 400 APR payday loans. If youre very interested, you should look into your credit card agreements for terms on cash advances. 