They need to pay off the whole of the rest of the balance on the card, then the cash advance, plus its interest. She will need to call her bank to have all of the fees explained to her.

Our old CC had a 22% interest rate on cash, from memory, but it was a NZ card, so we had to pay conversion rates and fees on top of that also.

ETA Oh, and she will need to pay for the bank cheque also.