Cash Advance
A cash advance is borrowing cash against your credit card, usually at an ATM. It's one of the most expensive ways to borrow: a separate, higher APR, an upfront fee, and no grace period — interest starts accruing the moment you take the money.
Because there's no interest-free window, even a quickly repaid cash advance costs money. Reserve it for true emergencies with no alternative; an emergency fund exists precisely to make cash advances unnecessary.