I recently got a similar offer from them on a card I have had for years, but rarely use. The offer they gave me was 0%, 12 billing cycles, but I did have to pay a $90 fee. I decided the fee was worth it since I took out nearly the whole available amount and plan to let it sit my ING MM fund for just under a year, earning about $1k after the fee. I have done this kind of thing before and expect it to work well, as long as I stay on top of the rate expiration date.I have never had a problem with BoA that I can recall. We have 3 (essentially unused) cards now with them, since the 2 cards that were formerly MBNA are now BoA. The only thing I have noticed is that they tend to raise your limit ridiculously high, which could be a problem for anyone tempted to see the ginormous amount of pretend money and say "Whoa! Where's that safari literature I was looking at?"In general, my favorite CC issuer is Citibank, which gives me cash back (CitiDividends) and seems to keep the credit line within reasonable limits. They also call me if it looks like there is any unusual activity on my card; I don't think any other CC issuer has done that for me.
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