On (06Aug2002) the 9.99% APR was in effect, since it was lowered from the 10.99% product...They sent me a letter saying a BT at 0.00% till Feb.2003 is being offered now........I just called and asked what BT offers i had..he said 5.9% for life of BT....i said NO i want the 0.0% till Feb.2003..GO TO is 9.99%........I did a $9000 BT......Call and see if you can get a good BT deal....Good Luck! Tony V. San Diego