<prompt> Human: My credit card always sends me checks to use to buy things or transfer balances. I just got one that has a 0 APY for 12 months with a 2 fee. Is there any savvy way to use one to maybe pay 12 months of mortgage or student loan with a check and then pay off the balance 12 months later?  <response>: If theyre not using glossy paper, one use Ive found for them is for lighting the charcoal for summertime grilling. 