- Centurion Member
- Posts: 241
- Joined: Fri Jun 07, 2013 9:46 am
- Location: Broward County FL
creditguy123 wrote:It's CitiBank. Also, the 3% fee is potentially less than the APR interest on the balance that would then be subject to the 0% promo rate.
That's the trap. After 18 months you are subject to whatever interest rate they assigned to you since the day you transferred the money. You will be paying that plus the transfer fee (which is also subject to interest) if you let a payment slip or don't pay it off in time. It's not free money: you're paying them for it, and they're eager for you to take it.
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