I had a similar situation with my Citi AA MC. I used one of their 0.0% cash advance offers, and since I had autopay in place (to debit the full balance each month), reduced it to the minimum (otherwise they would have paid off the full balance of the cash advance the next month). Shortly before the 0.0% promo was to expire, I paid off the balance remaining and then reset my autopay back to full balance. Since their computers don't recognize direct payments when the autopay feature is in place, they debited my citigold checking account for the amount that I just paid. It took about a week for them to credit me for the double payment (though when I called them they said it would take only 3 days).