One of the unpleasant secrets about using your credit card for a cash advance is that there is usually a 6 to 8 percent upfront fee on the amount. The APR on the cash advance is typically lower than the APR for normal purchases. Payments do not apply to cash advance balances unless the balance for regular credit purchases is zero. All but the APR on the cash advance is typically lower than the APR for normal purchases apply to cash advances. Which of the following?