Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
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Interest. This can be costly in two ways. First, the interest rate that a credit card charges on cash advances is often much higher than the rate charged on purchases.
Second, interest on cash advances usually starts accruing immediately. Theres no grace period like you can get with purchases. Given the costs associated with taking a cash advance, you should take it as a sign that youre in dire financial straits if youre considering one. Cash advances should be used only in extreme emergencies. If you find yourself relying on them, its time to take a hard look at your finances - and make some changes.
Alternatives to cash advances.