 TITLE: What Is a Convenience Check? CONTENT: How a Convenience Check Can Affect Your Credit Score\n----------------------------------------------------\nIf you use a convenience check responsibly, it won't affect your credit score. However, these checks do make it easy to borrow large amounts. The more that you borrow against your credit line, the more it will increase your credit utilization ratio, which is the percentage of your total credit limit that you're using. END