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I'm almost 100% SURE if you use the BT Check to deposit into your account it will be treated like a Cash advance. I would just pay the account off with the Credit card as it will be treated like a purchase and you will not be charged as a cash advance. I use my DCU credit card a lot to put cash in my account to pay off other credit cards but DCU treats all Transactions the same and at the same APR and Chase is a lot different then Credit Unions.
If I was in your situation I would call Chase and see if they can send a a blank check to do balance transfer ( if you do not already have one) deposit the check into your bank account, check will clear quickly, for me as I have done this in 1 day, and the money will be in the account to pay off that loan. Good Luck
@TimeToRecover wrote:I recently did as you I used my cap one to pay off a furniture loan with a outrageous interest rate.
I called cap one gave them a heads up I was about to do a large charge (so they wouldn't panic or alert or anything) very much outside my spending habit.
I paid with the card and yes there was a processing fee but the charge shows just as I told them it would OKINUS (furniture).
It is nice having it at 0% I will have it paid off before the end of the 0% and I am not checking my scores till it is.
It did not flag as a cash advance etc cause I wasn't paying a service I was paying the loan directly.
thats the thing, to make a payment on my car loan with a debit or credit card, it goes through western union speedpay (which charges 10 bucks), not Santander Auto Loans.
So I am a little apprehensive.
@IECredit wrote:
I'm almost 100% SURE if you use the BT Check to deposit into your account it will be treated like a Cash advance. I would just pay the account off with the Credit card as it will be treated like a purchase and you will not be charged as a cash advance. I use my DCU credit card a lot to put cash in my account to pay off other credit cards but DCU treats all Transactions the same and at the same APR and Chase is a lot different then Credit Unions.
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I was afraid of this also, and they did not send any checks either.