When you make payments to citibank, always the cash goes towards the lowest interest point right? So i have 12% purchase balance of about $2000 and $500 @ 19% on my statement. I went back to see what I could do about that, but noticed, the next month the Cash advance amount was $0 and the Purchase amount was offset. I was like, hmm. thats odd. Oh yeah, I called the big "R" and asked for a reduction in my APR!! Not saying this will work every time, but it appears, when they reduced my APR, they combined my CASH Advance balance and my Purchase balance together.. I just looked back on my statements, and my payments, and theres no way (due to balances on purchases) my payments would have ever dented my Cash Advance balance.. Any comments?