No. of Recommendations: 1
"I have a FirstUSA card that sends "courtesy" checks that are treated like purchases with a grace period et al. You may be able to avoid interest by playing balance pong, but you will eventually have to pay back the principle."

Hey, be waaaay careful about using those courtesy checks. Read the fine print of the fine print. Many cards will allow a transfer of balances to their new card--WHEN YOU OPEN THE NEW CARD. If you use those "courtesy" checks after the account's been opened for a while, it's gonna cost you big. Like 2% (or more) of the amount transferred, plus a higher interest rate. And FirstUSA is the first to do it.

I am one those people (there aren't many of us) who actually reads all those "changes in agreement" notices they send with your statement each month. And in one of those statements, FirstUSA changed their policy several months back.

Think about it. Who's the "courtesy" for anyway? Not you. They ain't THAT nice.
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