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Terms from the card website as of 4/25/08
A 0% fixed APR for 12 months from the Account Opening Date ("Account Opening") on balance transfers made at Account Opening or transfers made using the Promotional Convenience Checks that arrive with your Welcome Kit ("Welcome Kit Checks"); thereafter, your variable Standard Purchase Rate applies to any outstanding balance. Promotional rates end 12 months after Account Opening. Welcome Kit Checks must be used within 90 days of Account Opening to receive the promotional rate. Welcome Kit Checks used after 90 days of Account Opening or separately ordered Convenience Checks, will post at your Standard Cash Advance APR. The 0% fixed promotional APR applies only to balance transfers and not to card purchases or cash advances. The fixed promotional rate may increase if your account is consistently past due or you make your monthly payments late.
Balance Transfer fee (including Convenience Checks): Balance Transfers made at time of account opening or made by using the three (3) Promotional Convenience Checks that may arrive with your welcome kit either within six (6) months of account opening or by April 30, 2008 (depending on offer): 3% of the amount of the transfer ($10 minimum, $75 maximum).
