In Reply to: ANZ Visa Credit Card Fees posted by GaryD on Monday, 29. March 2010 at 16:55 Bali Time:
If you put your credit card into a positive balance before leaving home, then you won't incur 'cash advance' charges when you use it in ATM's (overseas or at home), because they're not actually advancing you any cash. It can be used just like any other ATM card.