I did a zero interest balance transfer to this card. I then set up a recurring bill pay over three times the size of the monthly payment to go out every month. Because of the mail, my second payment arrived a day late, and Chase is now denying me the promotional rate and charging me full interest. They were kind enough to wave the $39 late fee! I am fortunate in that I can afford to pay the card off in full, but for those who can't, beware! No matter how much you pay the month before, if your payment falls outside the monthly cycle, you will be considered late and all interest charges will accrue. I don't recommend this company!