<<Does anyone know a reason why I shouldn't transfer? Past experiences with CapitolOne, or anything I should know about? I'm on the verge of sending this one in.>>Mattman,I just got rid of my CapitalOne gold card and I didn't even think twice. I too transferred a sizeable balance to the card a couple years ago and slowly paid it off. It seems that I remember them telling me the same thing about the yearly fee, but when I got nailed for it recently I called them. Their reply was, "Everybody pays yearly fees and you have paid them in the past. Shut up and pay us now." (My paraphrase) This was even after I pointed out to them that I have carried a balance for a while and they make about $60 a month off me in interest.I also asked them about the interest rate going up to 19.8%. I got pretty much the same reply.I told the guy at CapitalOne that I received an offer for 5.9% for 1 year. His reply (get this), "You may as well take it because that's a good deal and I can't do anything else for you."Now if there are any CapitalOne shareholders here, this may not be too pleasing for you. ;)I would advise staying away from this card. It seems everybody and their grandmother has a good deal going on right now for balance transfers.David (But I'm not) Boring
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