I have received a balance transfer offer from Capital One. I called and agreed on a balance transfer of about $8500 at 0% APR (no fees) until 7/30/2011. (I transferred another $2500 later.) It was July 2010. I later received the card and making the minimum payments to avoid any changes in the terms. I now realize I was paying 14.99% APR. It is my mistake that I did not check the e-statements. I did not because I was not using the card for any purchases. When I opened the e- statement now, I found that I have been paying interest charges. I... read full review »