I've read a few blogs regarding using credit cards to fix and flip properties. I have two main concerns and I was hoping could give me some advice: 

1. Credit score: How does a cash advance impact your credit score? Let's say you have a credit line for 10,000 and decide to do a cash advance for the full 10,000. Wouldn't that impact your credit score since your debt/credit ratio is 100 %? 

2. Cash Advance fees. So far I've seen cards that charge 3-5 % as fees for the cash advance. Has anyone be able to negotiate these terms? 5 % seems a bit too high.