Discover Card wins the award for the most rediculous check-writing offer of the year.  I got the offer over the summer, and terms were this:  write a check against my Discover card account, and get 4 months of zero percent interest, for a mere 4% check-writing fee.  That amounts to one-third of a year, with 4% up front, equating to a 12% APR with interest paid completely up front.  Wow!  That is one horrible offer, and its sad to think some consumers actually fall for this "0% interest offer".  You'd have to be very desperate, or not very perceptive to take such a rediculous offer.