<prompt> Human: Last month I didnt have enough money to pay my car note of 263. So I use my credit card to pay it and did so using Western Union, and I thought I would be fine. I paid off my statement balance of 429 by October 5 as I was told. Today I check my account and I see that I have been charged 1.81 in interest. When I called my credit card company they said that was interest being charged on the cash advance that I made last month. I was confused, and then they explained that the money that I used to pay for my car note is technically considered a cash advance and it carries an interest rate of 24.74.I didnt know this at all, and I feel like an idiot. I just opened my credit card and the one goal was to avoid having to pay any interest. I have a 0 APR on all purchases until next year. Apparently this does not apply to cash advances.My current balance right now and the amount that is due by November 5 is 480 roughly. Would it just be best to pay everything down to zero so I can avoid paying interest? How does this work? I plan on calling my credit card company tomorrow and have them explain what this all means. My goal is to pay off my card in its entirety by the end of next week and then I honestly never want to use it again.I also wanna add that I know this would not have happened if I had an emergency savings fund. This is something that I have struggled to maintain, and I am trying to work my hardest to save up as much money as I can considering how I am an adjunct and I may not have any income one semester. Right now I am just looking for advice on how to pay off my card and avoid paying any more interest of course aside from avoiding cash advances whenever possible. Thank you for any advice  <response>: cheaper than a late fee on your loan 