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I might use a credit card convenience check. What should I consider?
I tried this a few months ago when I got one from Chase for 0%.  Thought it might be fun to play with, maybe make some money with the interest elsewhere over the 6 months.  Read the term and called Chase for more information on these and didn't see any issues at first.   The big thing that got me was that the rest of my account (not the money from the convenience check) was converted so that interests accrued on a daily basis even if you paid it all off at the end of the month.  So even though I was making the required payments that would normally not incur any interest, just by having the convince check balance on my account I was being charged the interest for my normal credit card charges over the month.   The amount of charges came out to only be around $10-$20, so wasn't much of a loss really.  But something to keep in mind when using these, (I tried it with 0% APR and still couldn't get away from the interest).  If I had needed the money this would still be an excellent way to go.  But if your trying to beat Chase with this game, it doesn't work...  Although if you don't use the card for anything other than the convenience check it's free money (or cheap @ 3.99% in your case) Everything in my account went back to normal after it was paid off, so no harm really, but some things to keep in mind at least.