How do I get cash off a credit card without the card?

If you need to get cash from a credit card but do not have the physical card or the PIN, there are several alternative methods you can consider:

Using a Bank Branch

You can visit the bank branch associated with your credit card and request a cash advance. You will need to present your ID and your credit card to the teller, who will then process the transaction for you124.

Digital Payment Services

Link your credit card to digital payment services like Venmo or PayPal. Once linked, you can transfer funds from your credit card to these services. You can then use these funds as needed, such as transferring them to your bank account or using them for peer-to-peer transactions. However, be aware that some credit card issuers may code these transactions as cash advances, which could incur additional fees124.

Credit Card Checks

If your credit card company provides checks, you can use these to get cash. Write a check to yourself and cash it at a bank or deposit it into your bank account. If you don't have the checks, you can request them from your credit card issuer, although this may take a few days12.

Cardless ATM (If Available)

Some credit card issuers offer the option to use a cardless ATM. You can use your mobile banking app to generate a QR code or use NFC technology to authenticate and withdraw cash from an ATM without your physical card. However, this feature is not universally available and depends on your card issuer and the specific ATM15.

Important Considerations

• Cash advances typically come with higher fees and interest rates compared to regular purchases.
• Ensure you understand the fees and your cash advance limit before proceeding.
• Using digital payment services or credit card checks may still incur fees or be treated as cash advances by your credit card issuer124.