[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.