If you make a late payment during the Introductory APR promotional period, we may end your introductory APR for new Purchases and Balance Transfers and apply the APR in effect at that time.
*Introductory APR Offer for Balance Transfers
Introductory APR for balance transfer requests must be made within six (6) months of account open date and the promotional rate is good for six (6) billing periods after the balance transfer posts. Balance Transfers requested after this time will have an APR equal to the assigned purchase rate (excluding any introductory APR). The 3% transfer fee is waived during the introductory period.