Just be sure to read the fine print and work everything to your advantage. I am actually going to use the checks CapitalOne sent me. I bought my living room set on store credit from a local place. I got a 6 months same-as-cash offer, but will not have paid it off by the end of the six months (this june). The thing is that they will charge me interest for this whole time unless I pay it off by the ned of the offer period. So I am going to pay off the rest using one of the checks I got from Capital, and then pay that off in three or four months. I will end up paying the same interest rate, but only for three months instead of nine.