I need a loan pretty much. I am trying to get an apt. I was denied for two personal loans because of not having an “adequate income”. I am trying to get 2,500 dollars. I could pay it back as I work full time. I have relatively good credit too! I need some help. Please don’t answer me with a “scam”. I won’t respond to it and I’m sick of scams.

Everybody knows using a credit card at the ATM or bank will qualify the transaction as a cash advance and cash advances carry a rather high rate. However today I heard a bit on the news;how to make money off of the credit card companies rather than them making it off of you. It featured some investment guru who talked about using available balances on credit cards for investments that have a higher rate of return than the credit card carries. I have a 0% until July 2007 with plenty to invest if I decided to do this, but how would I avoid the cash advance rate if it would be regarded as cash? Are there any investments that would list the transaction as a purchase? Please help, I am confused.