I love the fact Chase hates me. The most important thing with those low interest rate transfers is do not have a prior balance,and do not use the card till the low interest rate portion is paid. The fine print says "all payments MAY be be applied to the lower APR" In other words, if you have $2000 at 15%, and $4000 at 3.00% every dime you pay in will go to the 3.00% balance and the 15% will grow like a weed.