Always read the fine print. It's typical for the cardholder to get hit with the deferred interest if the promotional 0% APR runs out and there is still a balance.
swivvler wrote:Do you think I can get a significantly lower interest rate if I ask?
As of April 1, 2013, APR for general purchases: Variable 23.73% to 28.99%
swivvler wrote:If yes to 2, Citi is the bank behind Gordon Jewelers credit card. Can I move the balance to my other Citi card that has a lower rate?
Check with Citi. Lenders generally don't seem to allow balance transfers from one of their products to another of their products.