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Ok, so it's really a balance transfer rate after all, albeit a good one (repeatedly offered?).

No, sorry I wasn't clearer. I had a 1k balance on there, that I THREATENED to balance transfer if they didn't lower my rate. The 3.9% was on the existing balance AND new purchases (there were none). The best BT rate Citibank has ever given me is 6.9%, and I didn't take it because Discover gave me a 1.9%.

So, the 3.9% was acutally the card's interest rate, so if I had bought a $1 sweater on it, I would have paid $.04 in interest on it the entire year.

hoping that made sense
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