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Avoid cash advances. Interest-free periods offered on credit card accounts do NOT apply to cash advances. In most cases, you will pay interest on that cash right from the time you withdraw it. ANZ and Westpac cardholders pay a bigger penalty - not just immediate interest but also a fee of 1.5 per cent of the withdrawal. That's $15 straight off on a $1000 credit card cash advance. And some card providers are now charging a higher interest rate on cash advances than on purchases up to a whopping 27 per cent.

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