As RSX mentioned, every lender has wording that prohibits using these offers to pay off debt you have with the same lender. It's possible this may result in issues with your account. Also possible that instead of the balance transfer terms, they instead apply it as a cash advance. But since you used the check, those most likely would not happen, presuming you wrote the check to yourself, deposited it in another institution and then paid the account from that other institution.
The other factor is that different lenders apply payments by various methods, as long as they are allowed by the Credit CARD Act. Depending on the lender, they may apply your payment in whole or in part to the new offer, which would just result in unnecessary balance transfer fees and not prolong part or all of your expiring offer. Which lender?
Yea Penfed has a nasty habit of dividing up payments to benefit them and not you when your entire balance is on 0% BT offer and no purchases are being made.
@RSX wrote:^^ agreed
i had staged multiple BTs with them over abpout 6 months
but when you make a payment, they don't pay down the one closest to the deadline - they spread the payment across all Active BTs
so i have ended up paying small amounts of Interest to them
frustrating for sure
Yep. I had one BT expiring this month, another in September, and so I had to pay both down this month because of how they allocate payments. 