The Cardholder Agreement details the Terms and Conditions of your credit card account and includes information such as the rate, fees and other cost information associated with the account. Cash Advanc e. A cash advance is an advance of funds from your card account. Cash advances are typically more expensive than other credit card transactions and fees may also apply to each cash advance taken on an account. Typically there is no grace period for a cash advance and interest begins to acrue immediately.