Has anyone ever used a credit card to pay off their mortgage? My mom who is a co-signer on my home has a credit card that she wants me to use to pay off our mortgage. The credit card has a 2.99% interest rate on it (for life of the loan as long as you don't default, $50 transfer fee), we pay 11% on our mortgage loan. We bought the home 11 years ago, hence the high interest rate. Just wondering if any one knows if you can actually use a credit card "check" to do this or not. I would have to use the check to pay off the mortgage, if I was to get a cash advance the interest goes up to about 16%.