Responsible Spending, Money Emotions, Personal Finance.
(Capital One) and it wants to give me 12 months of 0% APR with a 3% balance transfer fee and a 12.9–22.9% variable APR after the year is out. (Also, 1.5% cash back.) Look, I know that 12.9–22.9% APR is terrible. That’s higher interest than I’m paying on any of my debt except, of course, the