Ok, I am all about the advice today. You guys are great.I got a 0% BT offer from ATT Universal, for one year. With this offer, I could transfer my entire balance (nearly 7k at roughly 5%), and probably have it paid off within a year, if my work circumstances don't change.So...Anyone have this card? Are they reputable? I'd love to do this, but fear getting hit with a rate-adjustment.Thanks!-Brad
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