9/9     I got a 0% APR offer from a credit card that I haven't used in years.
        It's 0% for all purchases and cash advances till 2/03.  If I write
        a $36000 check (my credit limit is $37000) to pay the principle of
        my mortgage now, and then pay $36000 to my credit card on 2/03, would
        it look bad on my credit history?  I'm trying to save a few hundred
        dollars on mortgage interest.  Thanks.
        \_ Yes.  Don't fuck around if you care about your credit history.
           You should also read the very fine print.  There are probably other
           fees in there.  I shred these things.  I get them all the time.
        \_ Where do you plan to get the $36000 on 2/03?  They are hoping
           that you won't come up with it and will have to pay their 20%
           interest rate from 2/03 until you come up with the money.
           \_ Some of it will come from saving up from my paychecks during
              these few months.  The rest will be from my mutual fund and money
              market accounts.
        \_ Your overall amount of credit will go up, which will lower your
           credit rating marginally, but if you already own a home, it doesn't
           matter as much. Make sure there are not cash advance fees.
        \_ Your credit rating will drop.  My friend moved all her car loan
           (14+% APR and all) to 0% credit card, you'd think that it's a
           good move and all.  Much to her surprise, her credit rating dropped
           like a rock (50 points I think).  If you dont care about your
           credit history until you pay the loan off, then it does not matter.
           \- From most fo the credit card 0APR offers I have seen, the fine
              print puts on enough restrictions to make this not really viable.
              The cash advance fees will kill you. A fee is paid immediately
              rather than over time. So if the length of the loan is really
              6mos, then a 5% fee = 10% annual rate at 0APR interest rate.
              \_ Fee usually has a cap of something like $50. --dim
                 \_ Like I said above, read the fine print.  Understand it.