Credit cards - Cash advance calculator

cards give you the option of getting cash that is, in effect, a loan against your account. There are several ways you can do this?at a bank teller, using an ATM, or with the blank checks the credit card company often sends to account holders. Interest rate charged on cash advances is sometimes different depending on which method you use to get the cash

• there's no grace period as there is with purchases?the interest charges start accumulating the moment you take the advance. In addition, there is almost always a flat fee that is typically 3% of the amount of the advance. If you are getting your advance at an ATM, there might be additional ATM fees as well. For overseas use, a currency conversion fee is sometimes tacked on

Credit cards - Pay off calculator

how much you will actually save by paying off your credit card balances

Arguments

• The amount you owe on the credit cards

• The interest rate being charged on the balance

• The monthly payment you make

Credit cards - Real cost calculator

how much it will really cost to buy something on a credit card and pay it off over time