 TITLE: What Is a Convenience Check? CONTENT: The Bottom Line\n---------------\nCredit card companies often use convenience checks as a way to get you to use your credit. But for most people, it's best to avoid using them. They have many penalties, few buyer protections and plenty of fees.\nLike the name implies, they might seem like an easy way to access cash without the fuss, but there are many stipulations attached to convenience checks. If you do decide to use one, it is best to have a contingency plan in place in case you are unable to pay off the debt.\nCarefully review the fine print, and weigh the cost of cashing the check against what your financial situation will look like if you can't pay off the balance. In most cases, it is best to shred the checks and consider another way of getting the cash. END