Penfed balance transfer check question

[Madyun1982]

Hello.. I received balance transfer checks from penfed I wanted to take advantage of the 0%apr for 12mos at 3% transfer. But I was wondering can I make the check out to myself? Or do I write the check it the the company. It says on the enclosed notice. I can write the check to myself. However I wanted to as you guys on here. I would've called penfed. However sometimes they give conflicting answers.
Thanks in advance

[K-in-Boston]

Yes, you can write the check to yourself and deposit it into the bank account of your choice, or make it out directly to any lender and mail it.

[Madyun1982]

Thank you. I didn't want it to look like I did, an cash advance..

[K-in-Boston]

No problem at all.  The line is very blurred between convenience checks and cash advances (some lenders like BoA, Citi, and Discover, will let you just initiate a direct deposit to your checking account for a balance transfer), but generally a cash advance will always involve actually using the card itself to receive funds.

[Madyun1982]

Thank you.. I actually just got off the phone with a penfed rep. She stated that if I tried to write the check to myself. It would decline because that's not considered a balance transfer🤦‍♀️ I said well it states on your enclosure that you can.. She said you can't because it'll be looked at like a cash advance. Confused face.. Sooo I asked why would it be written in black and white if it weren't possible.. She then goes to say. She's not sure why it states that.. I'm even more confused.. Penfed reps always give conflicting info..

[M_Smart007]

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@Madyun1982 wrote:
Thank you.. I actually just got off the phone with a penfed rep. She stated that if I tried to write the check to myself. It would decline because that's not considered a balance transfer🤦‍♀️ I said well it states on your enclosure that you can.. She said you can't because it'll be looked at like a cash advance. Confused face.. Sooo I asked why would it be written in black and white if it weren't possible.. She then goes to say. She's not sure why it states that.. I'm even more confused.. Penfed reps always give conflicting info..

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Wow, sounds like it is a clear as mud

[Madyun1982]

Exactly.. I'm gonna attempt it. And see what happens..

[thornback]

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@Madyun1982 wrote:
Exactly.. I'm gonna attempt it. And see what happens..

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I've used the PenFed BT Checks as a check written to myself and deposited into my bank account.  It cleared, I got the cash, my card showed the BT amount, as written on the check, at the 0% offer.  It was neither denied nor treated as a cash advance.  

[Madyun1982]

@Thornback
Thank you soo much. This is why I love this site. You guys are more informative than most of the reps..

[thornback]

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@Madyun1982 wrote:
@Thornback
Thank you soo much. This is why I love this site. You guys are more informative than most of the reps..

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You're welcome!   Besides - even if they tried to screw you and apply it as a cash advance (highly doubtful, but just for the sake of discussion),  all you'd have to do is show them their own terms that were attached to the check -- they'd honor it since, if it was an error - it was their error, not yours.