I was able to transfer money from my Bank of America credit card directly into my Countrywide SavingsLink account and GMAC Money Market account. They didn't charge me any transfer fees, and the transfer qualified for the 0% rate. They did it over the phone and it only took a few days. Other cards don't let you transfer money into a checking or savings account, or even if they do, it would be considered a cash advance. So what I did was transfer money from those cards to my Bank of America card and then transfer to my savings account from there. I also heard that Citi Bank lets you request a check when you have a negative balance on your account. So for example, you can transfer money from a Discover Card to a Citi Card and then ask them to send you a check for that amount, which you can deposit anywhere.
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