If a credit card has lived in your purse for a long time already, you must know by now that it can be used in a number of ways - you can make purchases either online or at your nearest store, you can make cash advance or arrange an electronic transfer of funds to your relatives or friends.

However, there is one more way to handle your credit card account - to write out checks - and it adds up to the numerous conveniences credit cards offer.

Nevertheless, there arises a question whether credit card checks bring benefit to one's credit rating, rather than hurt it.

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Let's try to make it out. There is nothing so very unusual about checks. They are provided by most big credit card companies already, being just a more convenient form of credit card payment, and so inseparably tied to your credit card account.

What does it mean? Whenever you write an amount on your credit card check, it will inevitably be charged to your credit card account, entailing all the usual rates, fees and other obligations whatsoever.

Thus, whether you choose to pay for one of your utility bills or make a deposit into your saving account with a credit card check, the money will be withdrawn from your credit card account and you will have to return it with the interest due.

So, when is the usage of a credit card check more convenient and efficient than, say, the money in your saving account? In fact, a credit card check gives you a helping hand when your saving account is insufficient or exhausted. Believe it or not, it can happen with anyone, and a check is the best and at the same time easily available way to go.

Now, imagine that you have one of Visa credit cards with rewards that you use for different types of purchases and a saving account to accumulate money and cover expenses like utility or medical bills. Our world is not perfect, however, and no one is protected from financial failures. Imagine that you have some terrible money problems because of your overspending during a holiday shopping season and now you are just short of means to pay for a gas bill or a visit to your doctor.

There is no better time than now to borrow money on your credit card and to pay your bills with a credit card check. Why? Because a gas company can charge you penalty fees much higher than fees and interest on your Visa card. Because you may have your credit rating seriously damages or even be sued for not paying your medical bill.

Under the circumstances, the best thing you can do is to write out a credit card check and to charge the amount to your credit card account. You could, of course, venture to make an overdraft on your saving account to effect the bill payment, but mind it that you will normally be charged $35 fee for all the "bounced transactions".

Isn't it too much? Evidently, it is easier and cheaper to pay the bills with your credit card than to skip payments or to practice on overdrafts. However, you shouldn't think that the convenience of writing credit card check is free. The amount you put on the check is equal to cash advance and so is the interest associated with it.

No doubt, paying with a credit check for unexpected expenses not only saves you money but also saves your day.

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