Hey,

I got transfer balance checks with 3% balance transfer fee. It says until end of cycle that ends on 12/2019? so assuming 1.1?

I am leaning to use those as I pay 5.5% on my heloc so I will be saving $750 for the year about if I do the max which seems to be 30k? (can do two 15k checks)

Another question, is the 0% apr is just on balance transfer right? so regular charges I put on card won't be 0%?

I usually never have a rolling balance... and always pay entire balance in full but recently, as I opened a few cards with 18 months 0% apr - I have been running balances on them . Will this hurt my credit score?

Lastly, any general notes or things I should keep in mind when using these checks? the 3% they tack onto the card? so if I write a 15k check they will add 3& to that?