They promised "zero" apr for the 1st year. Then when my billing came the apr turned out to 7.99. When i called the accountant manager told me i signed up for zero apr only for balance transfers which was complete bs! Knowning it was going to be a losing battle trying to fight these guys i accepted the 7.99 apr. 2 months later the 7.99 jumped to 21%!! Take note i have nevered been late with payment and i have excellent credit. I called once again and they have claimed they sent me a notice telling me they were going to raise my interest because of some new corporate changes. This is truly a dog eat dog world. Sounds like there are other plp in the same situation as me. I hope whoever is reading this will learn from our mistakes which was signing up in the first place.
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