If you’re swimming in a sea of credit card debt, you may feel desperate to get out of it by any means necessary. You’re going to get tons of ideas on how to escape. But, not all of them are going to be the best idea. One common way people try to get out of debt is by taking a cash advance on another credit card to cover their debt.

This isn’t a good idea because it is expensive. Also, there is a 3 percent fee charged for advances along with very high interest rates that start from the moment you initiate the advance.

It’s a costly and high risk item that you want to avoid at all costs.