I would like to share my sad experience recently happen to me with you. I made big mistake by applied to 0% APR on BT for 12 mos offer. I was only thinking to transfer the balance from one CC to another because of 0% APR offer will be expires.
The card I applied is Citi Driver's Edge MC. I was plan to use this card for BT and take advantage of 6% reward on purchase at Gas Station, Drug Store, and Grocery Store. When I call the Citi to make BT to this card, I found out that the payment I make will apply to BT first and then purchased balance. BIG MISTAKE ! I already used this card for purchase. Now I have to pay those balance before I make BT. If not it just keep collecting the interest, and that interest will be large amount when I pay off the BT. 
Well, what I can do now is to PIF toward to what I charged until today. Then make BT to this card. TOO BAD, I can't use this card until I pay off this BT and I loose the advantage of 6% reward until then. But there is good thing ... I paid attention to what CSR said over the phone before complete the transaction and confirmed with CSR about what he said.
Well, what I can do now is to PIF toward to what I charged until today. Then make BT to this card. TOO BAD, I can't use this card until I pay off this BT and I loose the advantage of 6% reward until then. But there is good thing ... I paid attention to what CSR said over the phone before complete the transaction and confirmed with CSR about what he said. Make sure plan well before you take 0% APR on BT offer !!
