What portion of my repayment goes towards the cash advance?
Banks have to allocate your repayments to the debt that is accruing the highest interest rate first. This means if you’ve used your credit card for both purchases (which might accrue interest at 19.99% APR for example) and cash advances (which might collect 22.99% APR), your repayments will go to paying off your cash advance balance first. If you’re trying to repay your purchases without collecting interest, it’s important to keep in mind how your repayments are being allocated.