These checks work just like regular checks, except the amount is charged to your credit card as a cash advance. Make sure you ask the issuing bank for the annual percentage rate, or APR, on these cash advances. It may be higher than that on purchases. For example, a bank may charge 15 percent on purchases, but 18 percent on cash advances. Also ask about any fees associated with credit card checks.
Many banks charge a flat or percentage-based fee for cash advances.
You don't want these fees to offset any savings on interest. Write the checks for the entire balance on each high-rate card. Just make sure that the check totals don't exceed the credit limit on the lower-rate card. Now you're ready to conquer your debt. Start by setting a budget for making more than the minimum payment each month.