You must have made a gleaming track record of payments still you could witness a rise in your APR overnights, only by skipping one payment. A lot number of people find them asking for cash advance on their one credit card to meet with the minimum payment of another. Transaction fee is always included with cash advance and repaying the minimum charges barely facilitates you to afloat until the due date of the next payment. Types of activity are not healthy exercises for your credit score; it can pull you downward spiral and unhappy ending. You will witness that your credit rating is going down, interest rates are going up and this zigzag has put you in the complete mass.