Love, you can write a BT Check to any company, or ask for a BT check written out to you personally (mbna/citi) and cash it. You can pay anything, down payment for car, IRS ,any business. MBNA for instance just dumps the cash EFT into your registered checking account and lets you do with whatever. Citi doesn't like you to dump the cash into your checking account, unless they send the check to you written out (just ask). Not sure how other companies are, but they don't really care for the most part.
