DONNOT use the check, that is either cash advance (very high apr %) or balance transfer (3% transaction fee). 0 apr on purchase or transfer? if purchase, yes. you just need to pay the minimum due (for citi, 1.5% of the balance or 20$, whichever higher). although they say 12 months, but make sure pay it off a billing-cycle earlier than what the representitive tell you when the 0% apr offer ends. BTW, these kind of offer, usually comes with lower limit. say 7-8000, my experience.