VISA vs MC | Credit card reward programs | Discussion forum

I have one of each that we don't really use. I know that MC will charge you as a cash withdrawal if you use it for purchasing a Lottery ticket, don't think Visa does. But what if you maintain a positive balance? Decided to try an experiment. Loaded each up with $200.00. They stayed in a positive balance for several months. Then I went to an ATM from each bank & withdrew $20 cash. BMO MC immediately charged me $5 for the cash withdrawal even though the card had no charges and had been in a positive balance for several statement periods. They charged me a fee even though they held my cash interest free for months. Scotia Visa did not charge me for the cash withdrawal. It had been used a couple times in the last few months, but balance never went below a $170 positive balance. Interesting. Assuming BMO states it buried somewhere in their T&C, but who reads those?