I had the card for 6 months. I got it for the 0% interest on purchases and a low rate on transfers. The plan was to pay some expenses I had over the 6 months. When my balance got bigger than anticipated I called them and asked if the interest would accrue from the date I opened the card. The representative said there was never any interest on the purchases made before the 6 month introductory period. So on my first statement after that period was over, I was shocked to find out that they charged me 30% on the whole balance, including purchases made during that six month period. Also beware that when making payments, it is applied to purchases only. Transfers don't get paid until the purchases are payed off.