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A cash advance immediately prior to filing is very likely to be challenged by the card issuer and that account may be excluded from the debts that are forgiven in a bankruptcy. For more, see When To Declare Bankruptcy. To pay a credit card bill. A cash advance is a very expensive way to pay bills, and the risk of falling into revolving debt cannot be ignored.
The potential to pay many times the amount of the original advance (in interest charges) is very real. Furthermore, in addition to the higher interest rate, there are those additional fees that everyday credit card purchases are not subject to. To buy something you want but can't afford.
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