If you have an active Discover card, you can use it to pay for purchases or services from any vendor who accepts Discover credit. If a vendor doesn't process credit cards or doesn't accept credit card charges from Discover, you can still use the card to make the payment by obtaining a cash advance. Discover allows you to obtain a cash advance using four different methods: cash checks, banks, automated teller machines and cash deposits into your checking account.
Individuals who have a Discover Card can get a cash advance. It is important to note that cash advances often have higher interest rates than the typical purchases you make with your credit card.
Cash Your Paper Checks
Cash checks are directly connected to your credit account, and you can use them to pay any vendor who accepts personal checks. Each time you use a check, your Discover card's balance will increase. You can order paper checks from Discover's website or by calling customer service.
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Visit a Bank or ATM
When you obtain a cash advance using a bank or ATM, you will receive the money in the form of cash. To obtain a cash advance from a bank, present your photo ID and Discover card to the teller and request the amount you need. To obtain cash from an ATM, you must first create a personal identification number, or PIN. To create your PIN, visit Discover's website, log into your account and select "create or change your PIN." You can then use this PIN to make ATM withdrawals using your Discover card.
Deposit Cash Into Your Checking
Use Discover's Online Direct Deposit to transfer cash deposits into your checking account. This will raise your checking account balance, allowing you to make withdrawals or use your debit card to access the money. You can typically transfer money from your credit card into your banking account if you have used the account to make your Discover payments in the past. To make a cash deposit into your checking account, log into your account on Discover's website and make the transfer, or contact customer service to tell you how.
Know Your Credit Limits
In addition to your overall credit limit, Discover will impose a lower limit on the amount of money you can receive through cash advances; this is called your "cash credit line." This limit may change based on purchases or balance transfers you make. To check your current cash credit line, call customer service or visit Discover's website to view your account information online. Keep in mind that any cash advance you obtain will lower both your cash credit line and your overall credit limit. Cash advances also often come with higher interest rates and associated fees than a regular credit purchase.
Amanda McMullen is a freelancer who has been writing professionally since 2010. She holds a bachelor's degree in mathematics and statistics and a second bachelor's degree in integrated mathematics education.