In January 2009, Chase Credit Card sent me balance transfer checks so I could use my credit limit of up to $12, 500 at a fixed rate of 7.99% until balance paid off. I have a spotless credit history and have been a good customer of chase for at least 10 years. At the time the account had a $0 balance. and I had not used the account since January 2006. On the checks, a note was indicated that as long as the check cleared by 2/28/2009, I would get the 7.99% fixed rate. This attractive offer made me write two checks to pay off higher interest rate... read full review »