<human>: I have a credit card that has a significant balance both on purchases (at 15%) and cash advances (at 21.5%).  This is a result of overdrafts and a couple of cash withdrawals from a long time ago that snowballed due to my poor management.  

Now I'm paying down the card fairly quickly, but after numerous attempts I can't get the company to lower the interest rates at all (despite me just paying off a sizable car loan with them on time with a perfect payment history).  So I'm thinking about, in additional to paying the card down as fast as I can, that I should do the following:

1) Use the card for as many of my routine purchases as possible.  
2) Immediately make a payment to the card in the amount of those purchases

The idea is to help lower the balance being charged 21.5% interest while essentially transferring that debt to the lower interest "purchase" rate.  This should work because (at least by my understanding) the law is that all payments above and beyond the minimum monthly payment must be applied to the higher interest rate balances first.  

I just want to make sure there isn't some caveat I'm missing, like a loophole that lets credit card companies avoid this kind of strategy.

Can you give me a shortened version of the text?
<bot>: Want to make purchases with credit card and immediately pay in order to transfer higher interest "cash advance" debt to lower interest "purchase" debt on same card.