Hello. I've been lurking, I've read the FAQ, now I'm ready to ask my question(s):(1) other than "fine print" surcharges for cash advances or balance transfers, assuming I'm not going to miss payments, any reason I shouldn't use a convenience check to pay a part of my student loan rolling at 8% in order to switch to an APR of 3.9% until September, provided I can pay off the balance by then?(2) once I transfer this debt via convenience check, any reason I shouldn't balance transfer to a totally new CC with an intro APR of 1.7% for as long as the promo period lasts, again, provided I can pay it off before they slam me with the high rate?(3) once this promo period ends, any reason I can't roll this balance along to a new card with a new low APR, assuming I can find one (we all know they mail an offer about once a week). Mainly, I'm worried about if there are implications for my credit report if I open and close a bunch of new cards just to take advantage of their low rates.In sum,(1) are there other pitfalls besides "fine print" surcharges for cash advance and transfers, as long as I don't miss payments, and(2) could there be a potentially adverse effect on my credit rating to open and close new credit card accounts to get the low APR and then toss/close them after the intro period is over?I'm sure I'm not the first person to think of this. Who knows the answer?Thanks, Doctorrico
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