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      Card Issuers Are Offering Cheaper ways to access your credit Line Advertiser disclosure You’re our first priority. Each time. We believe that every person should be able to make sound financial decisions without hesitation. While our website doesn’t include every financial or company product available on the market, we’re proud of the advice we offer as well as the advice we provide and the tools we develop are independent, objective simple, and free. How do we earn money? Our partners compensate us. This could influence the types of products we write about (and the places they are featured on our site) However, it in no way affects our advice or suggestions that are based on many hours of research. Our partners do not be paid to ensure positive ratings of their goods or services. . Card Issuers are Offering Less Expensive Methods of Accessing Your Credit Line. Cash advances that are expensive are no longer the only method to tap into your credit lines. However, there are some drawbacks to consider. By Melissa Lambarena Lead Writer | Credit cards, debt Melissa Lambarena is a lead writer for the credit card team at NerdWallet. She has enthusiastically covered credit card related topics for more than six years. Her previous experience includes nine years of experience as the creator of content for various websites and magazines. In her writing, she hopes to help users extract the value of credit cards to meet financial goals like expanding their budgets, building credit, taking trips to dream destinations and paying off debt. She investigates these topics along with others in The Millennial Money column featured in The Associated Press. Her work has also appeared in The New York Times, Chicago Tribune, The Washington Post, USA Today and Yahoo Finance, among others. Melissa has a bachelor’s degree in sociology at the University of California, Los Angeles. December 1, 2022 edited by Kenley Young Assigning Editor Credit cards, credit scores Kenley Young is the director of daily credit cards coverage for NerdWallet. Before that, he was an editor on the homepage as well as a digital content producer for Fox Sports, and before that a front page editor at Yahoo. He has a wealth of experience in both digital and print media, including times as chief of the copy desk, a wire editor and a metro editor of the McClatchy newspaper chain. Email:
      . The majority of products featured here are from our partners who compensate us. This influences which products we feature as well as the place and way the product is featured on a page. But, it doesn’t affect our assessments. Our views are our own. Here is an alphabetical list of . Credit cards can be a great option to pay for something but they’ve never had flexible or inexpensive ways to use your credit line, other than making purchases. Traditionally, one of the alternatives to tapping your credit card for cash is an, which is usually with a sky-high cost of interest and high fees. If your finances are in poor shape, that type of expensive short-term loan could cause more problems. Recently, more efficient and cost-effective options are emerging. In the past few times each of the major credit card companies and startups have come up with products and features that make it more convenientand less expensive to use your credit line to reimburse a friend, pay off larger purchases with lower interest rates, cover a bill you can’t normally pay by credit card or get cash deposited into your bank account. Read more: Less hassle payments through peer-to peer these days? Maybe you’re just a few bucks short for your check you’ll receive at dinner? Consider using a feature like American Express’s launch in November 2020 and available on qualified cards on AmEx’s mobile app. The “Send” feature option lets you use your AmEx card to make payments to other people through or , but without incurring the transaction fees that would normally be charged to credit cards like on these platformsusually, around 3 percent. There are conditions, such as limits on the amount you can make and the transactions won’t be eligible for rewards. However, they can be an ideal option for sharing the cost of food, gifts or more. “We’ve definitely observed some steady users’ participation,” said Stephanie Schultz the vice president and head of the emerging strategic alliances at American Express. “One of the most popular areas we’ve observed has been gifting, especially over the holidays.” What to keep in mind When you make a charge on your credit card, you’ll be required to settle a “Send” transaction at the time of your due date to avoid incurring interest. Terms apply. More Flexible financing and installment loan options What if you want to finance a larger cost? Some card issuers and startups have made it possible to turn your credit available in to installment loan. Chase and Citi are two examples. They offer and , respectively offer a selection of cardholders. These options function much like an individual loan at a financial institution, which is deposited directly into your bank account. You’ll be given a specific period of time to pay back the loan by making a monthly fixed payment. The loan will be charged with interest, but possibly at a lower rate than the credit card’s APR. These options make it possible to get an loan without a credit check and without a new report credit score. “With My Chase Loan, customers have told us that the option of getting the loan with no application as well as no credit check as well as no needing to open a brand new bank account, at an APR that’s less than their card’s normal APR is appealing,” said a Chase spokesperson in an email. “They appreciate the convenience in knowing their month-to-month repayment amount and loan duration prior to the time of application, and assurance that there’s no origination or early payoff cost.” If you’re looking to pay down a large purchase, this option may be more affordable instead of charging it directly to your card . In addition, it’s cheaper than a cash advance. Keep in mind that these programs are designed to be specific, and therefore may not be available to everyone at all times. Include the possibility of impact on the utilization of your credit (and the credit score) and the total price of the loan even with an interest rate that is lower. The loan amount you are able to request will depend on your available credit limit and creditworthiness. Hence, it may still be worth looking into personal loan rates offered by other institutions. More: Nerdy Tip If you’re trying to split an individual purchase with a credit card into smaller pieces it’s possible to explore Chase’s My Chase Plan option or Citi’s Flex Pay feature. Similarly, the Mastercard payment service is now in the process of launching a new service known as . Terms and fees could apply, however these options can make monthly payments more predictable. AmEx also offers a feature, for which there is a fixed monthly cost however you’ll know exactly how much you’ll pay each month. The terms and conditions apply. Further options from startupstoo. startup company Upgrade offers a unique as well as flexible productthe — which combines elements of both credit cards and personal loans. If you apply it as a credit card, remaining balances are converted to installment loans. When you use it as an individual loan, you can get the funds deposited into the bank account of your choice. In either case you’ll have the option of repaying the loan with equal monthly payments, at fixed rates over a designated time frame. Things to remember that the APR you’re eligible for will vary, and as with other installment loan options It’s worthwhile to compare rates with other lenders too. >> MORE Third-party options: If your credit card issuer isn’t as flexible with access to your credit line, third party services could be a viable alternative. For example, for a fee, permits you to use your credit cards to pay expenses that aren’t normally paid that way, like rent, mortgage or day care fees, utilities and many more. It charges your credit card through Plastiq in your amount for the bill (plus the 2.9% processing fee) Then, Plastiq makes payment to the person for you. This can be a valuable service if, say that a bill is due immediately but you need some peace of mind in the meantime while you wait for your paycheck to arrive. In contrast to other options, you’ll be able to earn credit card rewards, which could help offset some of the processing fees. There was a time when Berna Anat, a San Francisco resident and content creator, made use of this service to pay bills and earn points to pay for trips for a trip to New Zealand and other destinations. “I do not charge more than the money I had already saved up for the period,” She said. What to keep in mind that even though an 2.9 percent processing cost is less expensive than cash advances, it can still pack huge costs, particularly on large transactions. And if you can’t afford to pay for the charge in full by your credit card’s due date the interest will be added to your card’s ongoing APR, which can be very costly. Also, some credit cards might not be compatible with bill payment services from third parties. Before making a purchase, you should read , or ask the issuer how (or whether) the payment will be processed. It might be treated as an advance on cash, for example, rather than an actual purchase. >> MORE: About the author: Melissa Lambarena is a credit card author at NerdWallet. The work she writes for has been highlighted by The Associated Press, New York Times, Washington Post and USA Today. In a similar vein… Find the perfect credit card for you. Whether you want to pay less interest or earn higher reward points, the right card is out there. Answer a few simple inquiries and we’ll be able to narrow your selection for you. Explore even more in Credit Cards Discover more intelligent money moves – straight to your inbox. Sign-up and we’ll email you Nerdy articles about the money topics that matter most to you and other strategies to help you make the most from your money. Take all the appropriate money moves

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