Update- my post fired me up to call them. I had a zero balance but was looking for a lower interest rate to transfer a balance. They know the scoop. They immediately transfered me over to some "specialist" to give a 9.9% APR on a transfered balance until it's paid in full. Good deal for me, good deal for them. I think it helps that I had a zero balance. Suddenly they were very attentive.
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