Recently I ran a credit card that I normally pay off every month up to slightly more than $3500. I was agonizing over this when a set of those annoying checks arrived from another of my credit card companies. You know the ones; "give yourself a loan" "pay off higher cards" "get an early tax refun" (my favorite). Anyway, I usually curse and then throw these away because they're usually treated like a cash advance. Well the rate on this card was 2.9% for the first 3 months of the new balance period. That is a lot better than the 14% the original card was going to charge me, but it gets better.Shortly after the checks arrived and I had read all the small print to determine that no, there was no transaction fee, another promo offer arrived from yet a third card. This card was offering a 2% rebate on any balances transferred to their card. On my original balance that's arebate of $70! Plus, I've now decided to use one of these checks to open our two IRAs (4000) and to buy $500 worth of savings bonds we were ging to buy anyway. Just like that, I will have a $160 rebate if I transfer to the third card. Now I know what you're saying...obviously I will lose the 2.9%, but we had $1500 to put towards the card originally so we'll just borrow the remaining $1840 from our money market fund and pay ourselves back (plus the 5% interest we would be losing, of course). This is like a windfall to us. I still can't believe it. Has anyone had similar offers? And if so, what was your experience?