The cash limit on a credit card is the maximum amount of cash that can be withdrawn from an ATM or bank using the card, and it is typically a percentage of the overall credit limit. The cash limit is a subset of the credit limit, which is the maximum amount that can be charged to the account for purchases and cash transactions combined. Using a cash advance will decrease the available credit and increase the credit utilization, which could negatively impact credit scores. The cash advance is effectively a high-interest, short-term loan that starts accruing interest immediately, and a fee is typically charged to access the cash. The cash advance limit is usually lower than the credit limit, with a typical limit falling between 20% to 50% of the total spending limit. Each card issuer has different rules for how much the cash advance limit can be changed, and it is possible to request an increase or decrease in the limit by calling the number on the back of the card or sending a secure message.