Applied for a business card for contractors that offered: 'no annual fee', '0% fixed APR on balance transfers until September 1, 2008', '7.99 FIXED APR thereafter'. Transferred a balance to them, and on the September statement the rate had been changed to 21.9%. I called and they informed me that they have the right to change the rates at any time, so I looked at the very fine print on the back of the offer and they were right. I should have looked. Let this be a warning to others... read full review »