What are the rules regarding cash advances on credit cards and why are the interest rates so much higher than regular purchases?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the rules regarding cash advances on credit cards and why are the interest rates so much higher than regular purchases?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 1 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
CFPB credit card cash advance interest starts immediately no grace period cash advance fee rules Google ↗
Federal Reserve credit card cash advance APR fees credit card agreement cash advance higher interest Google ↗
- Credit card contract definitions · consumerfinance.gov
- Credit Card Checks and Cash Advances · fdic.gov
- SECTION 1026.60—Credit and Charge Card Applications and Solicitations · federalreserve.gov
- Credit Cards · fdic.gov
- Are payments applied to purchases or cash advances first? · helpwithmybank.gov
- What is a grace period for a credit card? · consumerfinance.gov
- § 1026.6 Account-opening disclosures. · consumerfinance.gov
- SECTION 226.5a—Credit and Charge Card Applications and Solicitations · federalreserve.gov
- Can the bank charge a fee for a cash advance on my credit card? · helpwithmybank.gov
- Credit Card Cash Advance: What It Is & How It Works · chase.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB credit card cash advance interest starts immediately no grace period cash advance fee rules OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Federal Reserve credit card cash advance APR fees credit card agreement cash advance higher interest OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |