I got a Citibank Upromise card. I called to activate it and they reminded me there was a 0% interest rate on balance transfers for 12 months with no balance transfer fee. I hadn't planned to do this but it occurred to me that there was a small debt I could put on, save me a few bucks. I said I'd think about it and call them back with the account numbers. She said, or I could just sent you a check. I said, you mean blank checks to write to the creditors? No, she said, you tell me the amount and then you deposit the check in your personal account and pay them off yourself. Is this common? Never seen balance transfers done this way. Seems like a recipe for disaster!