Can I balance transfer from my citi card to say my capital one card. Even if i don't owe anything on the my capitalone card? will cap 1 take the check? If its say $2000 over my balance? and post it? Will I be able to get the cash back on a balance refund and then use the intro balance transfer rate as a low interest personal loan? I dont owe anything on my cards right now but i could use a personal loan for $2k-4k for some car stuff. I really need cash not credit and dont want to cash advance the whole amount and get stuck with 19.99% and fees! Can you balance transfer to 1. yourself? (check payable to you) 2. Someone else ? 3. someone elses credit card? hints please.