How to Use a Credit Card at an ATM – You can use your credit card at an ATM to get cash or make deposits. Here’s how to do it and what to watch out for.
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Find an ATM that Accepts Credit Cards
not all ATMs accept credit cards. In fact, most ATM machines are only equipped to handle debit cards. However, you can usually find an ATM that accepts credit cards by looking for an on-screen prompt or indicator light that says “credit” when you insert your card. If you’re unsure, you can also check with your bank to see if they have a list of ATM locations that accept credit cards.
Most ATMs will accept credit cards from the same network as the ATM. For example, a Bank of America ATM will accept credit cards from Bank of America, Discover, and other banks that are part of the same network.
If you see the Visa, MasterCard, or American Express logo on the ATM, chances are good that you can use your credit card there. Here are a few tips for using your credit card at an ATM:
-Check your balance before leaving home to make sure you have enough money to withdraw.
-Know your PIN (personal identification number) and keep it a secret. You’ll need it to withdraw cash from an ATM.
-If you’re traveling internationally, call your bank or credit card issuer to let them know where you’ll be and for how long. This will help them prevent fraud on your account.
-ATMs located in banks are usually more reliable than standalone ATMs, but they may have higher fees.
-Be careful of skimmers, which are devices attached to ATMs that can steal your credit card information. Cover the keypad with your hand when entering your PIN to prevent someone from seeing it. And if anything looks suspicious about the ATM, don’t use it.