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But we never use cash advance anyway (other than once by mistake when DH used the card in an ATM instead of our debit card - cost us a $15 fee plus daily compounded interest for the day or two until our payment posted on it).

How did he have the PIN to complete the transaction?

I have received randomly assigned PINs for my credit cards. It is unlikely, but possible that the PIN could match my ATM card. The only way this would seem to be possible would be if your bank assigned the same PIN to ATM and credit cards.
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