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Before I discovered this board, I had already applied for and authorized a balance transfer to Advanta for an introductory rate of 4.9%. You can imagine my fear when I read all of the posts. One thing mentioned was that no one could get the 4.9% rate in writing.

I read my agreement very carefully when it came in and the introductory rate was in writing along with the expiration date. So read those things very very carefully.

Another quirk. I re-read my application for the card and it states that by signing it you agree to all of the terms in the credit agreement that will be mailed with the card. THEY EXPECT YOU TO AGREE TO A CONTRACT YOU'VE NEVER READ!

Consumer Beware!
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