I'm still riding Citi's 0% till '04 BT from last year, but ...this seems like a decent promo. 0% on purchases and BT till 7-04, no annual fee. They want a 3% BT fee which means I'd just as soon leave my big money with Citi, but I'm seeking opinions whether the offer is worth my time for the 0% purchase rate. Searching didn't really turn up a lot on the bank. How are they with initial CLs? What about high balances, will they deny for this reason? My scores are all 710-720ish but I do have lots of balances.