Are you talking about a 0% check?
If so, the ones I get (0% for 18 months with 2% fee) are blank checks.
I just write myself a check and deposit it into my checking account.
A day or two later it is cash just like any other deposit.
Yes, I verified it was OK with Cap One before I deposited them.
The checks I get are considered balance transfers and not cash advances.
Make sure you double check with Cap One because there are different types of checks.
Why don't you ask capital one by using chat feature and print out their answer so you have it as proof?
There are different Cap One checks. Some are blank, some are requested and recieved a week or two later, etc.
Did you get a 0% blank check offer in the mail?
From within your Capital One account...
1.)Go to More Account Services(the last tab, in the middle, on the right)
2.)Scroll all the way down to the Transfer a Balance(on the left)
3.)View your offers for your account. I have two at this time.
4.) Select an offer and choose how you'd like to transfer the balance.
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This is NOT considered a cash advance. Cash advances are assigned a cash advance fee. This is considered a balance transfer. Weigh the pros and cons depending on the time you plan to repay, as well as if the fees are worth it(ie if doing a BT saves you money).
Option 1 allows me to pay an upfront 3% fee of the amount I wish to transfer. I won't have to pay any monthly fees(unless I put new charges on the account and I'm not in a 0% APR for purchases period). I would have 12 months of no interest. After that, my standard purchase rate would apply to any remaining balance.
Option 2 allows me to NOT pay an upfront fee but every month pay my current purchase rate(23.99%) on the amount I transferred for an indefinite amount of time. Option 2 makes no sense on the pockets unless I planned to transfer a balance and pay it off the very next month.
Selecting, "Transfer a balance" allows me to send money from my Capital One Card to pay any other credit card that isn't Capital one. It's limited to a, "card to card" transfer and can take a couple of weeks for the receiving bank to get the money.
Selecting, "Send a hassle free check" allows you to receive a check from Capital One to deposit into a checking account and pay anything---(car insurance, another credit card, home repairs, a family member etc.) They do not know(nor care) what you do with the check once it's deposited into your account. A check also gets to you quicker and pays whatever you want to pay faster than card to card transfers.