What purpose do convenience checks serve for cardholders?

Convenience checks are used by cardholders to provide additional access to credit without the need for a physical credit card. They allow cardholders to write checks against their credit card accounts, effectively extending their available credit to transactions not easily handled through a card swipe or tap. This is particularly useful for larger purchases or transactions with vendors that do not accept credit cards directly.

The ability to utilize these checks provides flexibility for consumers who may need to make payments in situations where card payments are not accepted, allowing them to leverage their credit line more efficiently. While other aspects, like accessing ATM funds or direct bill payments, may seem relevant, convenience checks specifically relate to providing credit access through a check-writing option linked to a credit account.