<prompt> Human: Im in the middle of refinancing my mortgage to get a better rate and lower payment so I can pay off the loan faster. In the mail I received an offer from my credit card company to write a check for cash and just get charged either 2 for 12 months or 3 for 18. The way I read the terms and conditions as this would be a one time interest charge and not compounded monthly. Would I be smarter to write a check for 10k and apply it to lower my new loan and thus having lower payments or just get a loan and pay above the payment in the same amount of time. To me it seems that getting the 10k is the way to go and a no brainer. I have the money now but would prefer to keep that in my emergency fund. I can afford to pay the money back within the time period. Any advice would be appreciated. I feel like Im missing something. Much thanks!  <response>: You didnt receive anything special, banks send those out constantly, because its a way for them to make money.Treat those offers like junk mail. I used to shred those checks immediately until I found out that I could call my bank and request that they stop sending them which I recommend doing. 