First, if you take the advance using 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. For example, if you owe 500 on a 1,500 limit card, then your credit utilization ratio is only 30. However, if you take out a 300 cash advance on that card, then cash advance yreka ca balance will jump to 800, resulting in a credit utilization of over 53. High utilization rates are a big indicator of credit risk, and your credit score becomes adversely impacted as your ratio exceeds 40 (see What is mega cash loans com good credit utilization ratio.
As mentioned earlier, the cash advance usually has a high interest rate. If this affects your ability to pay the monthly charges promptly, that could affect your credit score.
And if the cash advance puts you over the card's credit limit, that can lower your credit score.
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