I received checks from this company stating an interest rate of 1.9% if I did a balance transfer or used the checks for other purposes. Being skeptical and knowing the unscrupulous practices of some comapanies I read the fine print closely and even called Card services to affirm I was using the check within the proper time frame. A nice young lady assured me I was (my first mistake-didn't get her name) and The funds would have a interest rate of 1.9%. They are charging me 9.9% and are now saying I didn, t use check in time. I failed to keep the agreement info attached to the checks (my second mistake) and therefore cannot dispute the high interest rate. They tell you one thing and do something else. I just don't understand why companies like this insist on shooting themselves in the foot. I will just pay off the balance and cancel the card and continue to make others aware of their questionable practices. Talking to management is useless. They are so use to talking to unhappy customers there responses are pure reflex. I would imagine alot of there employees will be looking for jobs in the near future as more customers leave this company.