I recently decide to do a BT to my National City card to PIF another CC due to lack of a proper emergency fund and my mortgage company deciding which bills to use the insurnace money for storm damage to pay.
It turned out I got the recipient of the most money to reund to me the large payment since the account was 0% for a year and I guess they wanted a crack at several thousand dollars of interest if I didn't PIF by next June.
National City does BT in the form of a check sent to me and I just canceled the BT. I was told at the time they would charge me to cancel it but they didn't.
I love National City and this was an unexpected bonus.