Roy,You wrote the following:'BrotherMarcus, Should be quite easy. Do you have an empty CC with courtesy checks? Simply write a check to pay the auto loan or whatever.'You might want to be careful about that. Upon recent investigation on my own to start this balance transfer business, I found out from Citi that there is a HUGE difference between balance transfer checks and convenience checks. Convenience checks will be considered a cash advance with all the associated fees and non-zero interest rates if you deposit them into a bank account, and usually the cash advance limit is much less than the actual credit line issued which could cause you to unwittingly go way over your allowable credit limit. That would be bad! Balance transfer checks though, are not considered cash advances when deposited into a bank account, so those are the correct tool. Balance transfer checks can be requested over the phone and the checks will clearly state that they are balance transfer checks. Hope this helps.Mike
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