do cash advances impact your credit score 
taking out a cash advance has no direct impact on your credit or credit score but it can affect it indirectly in various ways first if you take the advance from a credit card it will raise your outstanding balance which will raise your credit utilization ratio a measure that credit scoring models use to calculate your score if you owe 500 on a 1 500 limit card for example your credit utilization ratio is 30 however if you take out a 300 cash advance on that card the balance will jump to 800 resulting in a credit utilization of more than 53 high utilization rates are a big indicator of credit risk as noted earlier a cash advance usually has a high interest rate if this affects your ability to pay the monthly charges promptly that also could affect your credit score and if the cash advance puts you over the card s credit limit your credit score can be dinged even after the balance is paid down your credit report will show the highest balance reported and other potential lenders will see that you were over the limit at one point which could hurt your ability to get new credit cash advance pros and consa credit card cash advance could be a reasonable option for someone who has an emergency need for money and limited resources for getting it especially when that person has a clear and reasonable plan for paying back the money in a short period it is for example a better option than a payday loan or a car title loan due to the exorbitant triple digit interest rates those loans typically carry and the greater payoff flexibility that comes with credit card debt but cash advances would be a bad idea under these conditions 