No problem, go through all the verification stuff, the rate is only 12.99% (woohoo), and as she's reading the disclosures, says that any existing promo rates will expire and be posted as a purchase to my new account. ???, but I let her finish. She gets to the part about, Do I have your okay to open this new account, and I ask her about the promos. She says yes, you will lose your current 3.9, and start over at 12.99. OH NOOO. She and I both decided that this was not a good thing, and should call again in September. The moral of this story is - Listen, listen, listen! Good thing I wasn't busy planning my day or listening to the radio or goodness knows what else!