<prompt> Human: Just received a snail mail from Chase that they are increasing cash advance APR from 19.49 to 25.24.Personally I have never use the cash advance feature of any of my cc, and I presume no one on this sub would, I just bother me on a moral level that how is this allowed by our law.25 APR is predatory lending, probably on par with all the illegal loan sharks.EDIT 1: I started checking all my other cc APR on cash advanceAMEX Blue: 25.49AMEX SPG: 25.49Discover: 24.24Citi Costco: 25.49Ok, I suppose Chase was one of the better evil, and now its merely joining the pack.  <response>: People who are taking a cash advance from a credit card are experiencing financial distress. People in financial distress tend not to pay back their unsecured debt. 