[drkstr]

It can actually, although perhaps a little indirectly. Off the top of my head, the credit card balance is a direct I put to both the Debt to Income Ratio (small affect), and Percentage of Revolving Credit Available (much larger affect). These are not deal breakers, but did lower the score at both places I worked where this mattered.

[ci5er]

Well, certainly if your carried balance goes up as a percentage of revolving credit, that will affect the score. But this would hold true whether you did a cash-advance or bought a TV, no?

EDIT: IIRC, the Debt-to-Income ratio calculation (if you were to apply for a mortgage, for example), is based on your aggregate credit-card limits (used or not), on the assumption that you could be that exposed. I remember when I were a young lad, I had to kill a card (or two?) that I wasn't even using in order to get the mortgage rate I was looking for because of this effect.

[bencollier49]

Okay, so just to explain the way this works in the UK - a cash advance shows up directly against the card and month it was taken. Credit scorers typically treat it as a sign that you're living outside your means, and so it has a very serious effect on your ability to get credit.

There are certain types of payment which are also classed as a cash advance and sometimes catch people out, such as to gambling sites.