The cash advance limit of credit card is the limit for the cardholder to use the credit line to overdraw and withdraw cash, which is also one of the inherent functions of credit card. The advance cash will receive overdraft interest from the bank bookkeeping date, and the advance cash of credit card cannot be paid in installments and must be paid off in full on the repayment date. So, do credit cards borrow cash in advance to collect credit? Do credit cards borrow cash in advance to collect credit? Cash advance is handled in a credit card account, but there is no independent account, so it will not be credited after it is successfully handled. But this does not mean that personal credit will not be affected. Whether it will affect personal credit depends mainly on the borrower's repayment situation. If the cash advance can be repaid on time after successful handling, personal credit will not be affected. If there is overdue, it will definitely affect credit. In fact, at present, many banks do not support the cash advance business by installment, nor can they make the minimum repayment. After successful handling, the advance cash principal and the generated interest must be returned to the bank at one time until the final repayment date. Otherwise, the bank will count you as overdue, and will report the overdue records to the central bank's credit information system, which will lead to bad credit records.