I just bought a small contract resale and since they don't take credit cards (for SW credits), I will use one of the credit card advance checks to deposit to my checking account and then write a check....since they are offering 0% for a year. I do have to pay a fee of about $120 to use that check though and will have it paid off before the year ends. Would love to pay cash, but am in the middle of major house remodeling and am holding on to that cash fund for now. Have gotten over 10 free Southwest RT flights during the last year and a free companion pass--but make sure to pay it off every 4 to 5 days.