Why does this not surprise me?! Looked at some of my recent BT's and if you revolve a card balance past the grace period it will kick in the regular credit card purchases rate. So the 0% BT is that but the CC hits you for the higher CC rate too and allocates the payment as contained in the cardholder agreement. That is how most of the BT's I have seen work. Truth, a BT after your 6, 9, 12, 15, and 18 month intro period of 0% is a catch so you will kick in the regular higher purchases rate. Generally not such a good deal. Something that is not new.
Starting Score: 829 Current Score: 830 Goal Score: 850