Using your credit card for a cash advance in an emergency is probably a good idea. Using cash advances for non-emergencies is a terrible idea. Explain the characteristics that make cash advances very dangerous

What will be an ideal response?

Answer: For starters, it shows that you are not managing your personal finances very well. Using cash advances for day to day living expenses means that you are not following a budget and you are living outside of your means. Normally there is an upfront fee of several percent on the amount of the cash advance. The APR for cash advances is higher than the APR for regular purchases. None of your payments apply to the cash advance balance until you have paid your other balances in full first. Since a majority of people never pay off their credit card balance, then they are paying a very high APR on their cash advance balance for a very, very long time.