<prompt> Human: I am recovering from a foreclosure a few years back and my credit is starting to look better. One of the three credit cards I have sent me an offer that if I use one of their promotional checks they send out in the mail for at least 3,000 they will increase my limit by that amount. The offer is this: There will be no interest for 12 months I could pay it off immediately, they will increase my limit by 3,000, there will be a 2 fee 60. I suppose in the short term my credit rating will take a hit, but will the increased limit help in the long term? Are there other downsides to consider besides the 60 fee? My situation is a bit unique, I like the idea of having a larger limit because I may be able to pay off my mortgage with another one of these checks down the road credit card rate is a bit lower than my current mortgage. Also, is it even possible for me to write a check to myself this way?  <response>: This is just a waste of money.Use the card to buy things like gas and groceries. pay off the bill each month. 