In looking for a way to do a balance transfer to save a couple hundred bucks in interest I've been looking at some of the 3-per-day credit card offers I get in my mailbox. Today I finally saw one with an appealing offer. 7.99% fixed (Prime -.26%), 0% for 9 months on a balance transfer, no fee. And then I read the online terms: Quote: |
Originally Posted by Advanta.com Your Card Agreement also contains an arbitration provision, which replaces the right to have claims heard in court by a jury and also precludes participation in class actions. All of your account terms are subject to change. This means that your account rates, including any introductory or promotional rates offered, are not guaranteed; all account rates may be increased, fixed rates may change to variable rates, and variable rates may change to fixed rates. We may change your account terms (including rates) at any time for any reason. | Sad thing is this seems to have been the new breed of T&C for a while now with many cards. Only I have to honor the terms of the contract, which is subject to change under any whim they have. No point in gambling my interest paid, so I'll just have to deal with what I've got and get a refi from a reputable bank or credit union before too long.
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Just because there is nothing wrong with saying what you are thinking does not mean there is nothing wrong with what you are thinking. - Jon Silveus
Last edited by SiliconJon : May 31st, 2007 at 12:35 PM.
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