Visa and other credit card companies issue convenience checks to customers. These checks allow customers to make purchases and pay bills via check or obtain cash advances from their credit cards.
Policies and interest rates vary between issuing banks and individual customers. Convenience checks incur transaction fees when customers use them, and they have higher interest rates than credit card purchases. Interest-free purchase periods do not always apply to cash advances or convenience check purchases.
The Fair Credit Billing Act does not cover purchases made with checks. This law protects credit card customers from fraudulent purchases and defective merchandise, but these protections do not apply to purchases made with checks.