Avoid performing cash advances
A cash advance is when you use your credit card to access cash rather than make a purchase. This can include:
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Withdrawing cash from an ATM
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Getting cash over the counter at a financial institution
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Transferring money from your credit card to another account (where permitted)
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Certain transactions that are treated like cash, such as buying foreign currency or gambling-related transactions.
Cash advances can be helpful if you're in a difficult situation and need access to cash quickly. However, they incur a cash advance fee and interest is charged from the day of the cash advance, so use them only when needed and pay them off as soon as possible.