In an emergency, you used your credit card for a $500 cash advance- You just received your statement and your total balance due is $1,859, and the cash advance was the most recent charge- You want to be sure to pay for the cash advance so you send in a payment of $700- Your credit card has an APR of 12 percent- How much of your payment will apply to the cash-advance balance?

Wise ways to use a Credit card are:
Pay off your balance every month. 
Use the card for needs, not wants.
Never skip a payment. 
Use the credit card as a budgeting tool. 
Use a rewards card.
Stay under 30% of your total credit limit.