Got an idea due to mail from my bank recently offering convenience checks for my credit card. I know normally bad idea, but they are offering a 0%APR until May '19. As long as I don't use the card for anything else there will be no interest accrual, not really that hard to since I don't normally use it anyway. Looking at the fine print, the fee is 2%, instead of the normal 4%, so $150 fee for a 9-10 month loan of $7500. I would rather use that now to finance less versus making a $7500 payment next year. So if I take the cash advance after I get my loan set, the high balance on the credit card shouldn't effect my credit score for this loan. I have no other loans that I would need to worry about trying to get in the next year, so that shouldn't be an issue. Current credit score is around 800, so I shouldn't have an issue getting a decent rate for a loan. Local credit union is showing 2.69% for 72 mos and it's one I can join. Planning to put down 10K anyway, but the extra $7500 drops the monthly payment a fair bit. So does anyone see any flaws with my plan that I may have overlooked in my excitement?