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By finance charges, he means interest, not a fee. In the US, cash advances on a credit card typically incur interest immediately rather than after the billing cycle ends (barring some sort of promo).



Sure, but how much is the instant-interest on the amount withdrawn compared to a $3 ATM fee?


Cash advance APR by whatever you withdrew by however long it takes for you to pay it.

There's no single answer to that question.




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