 TITLE: How Do I Transfer Money from My Credit Card to a Bank Account? CONTENT: How Transferring Money From a Credit Card Can Affect Your Score\n---------------------------------------------------------------\nKeep in mind that using a cash advance to access money can have a negative impact on your credit. The amount of credit card debt you have relative to your total credit limit is called your credit utilization ratio, a factor that represents 30% of your credit score (it's the second-most important factor).\nTo find your credit utilization ratio, divide how much you owe on all your cards by your total credit limit. Using a significant amount of your available credit can be a red flag to lenders and creditors. Because of this, it's considered ideal to keep your ratio under 30%. Say your credit card's credit limit is $10,000 and you have a credit card balance of $4,000. Taking out a cash advance of $2,000 would cause your credit utilization ratio to jump to 60%. A ratio this high can start to negatively affect your credit score. END