[terry1156]

If you are going to do this to try and improve your credit and you already have 2 credit cards, I'd say pass on the cash advances and simply use the cards at least once a month for a small purchase. Make sure to pay off the card on time and you'll begin to improve your credit score without taking on all the interest charges you'd get with a cash advance. Cash advances just cost a whole lot in interest (many go to the top rate the credit card charges even if you have a lower rate for purchases) whithout helping you much more than using the cards responsibly.

If you go for the personal loan route, again, you want to make a large payback right away - say 75% of the loan - so that you don't pay so much in interest while getting the benefit the credit will give you.