How did you get 0% for 12 months. I was only offered 0% for 6 months?
Annual Percentage Rate (APR) for purchases
A 0% fixed APR for the first 12 billing cycles following the opening of your account. After that, or if your payment is late during the introductory period, 14.24% variablea or 19.24% variable, depending on our review of your application and credit history.
For each qualifying Disney vacation package purchase,b provided your account is not past due on the purchase date: 0% for the first six billing cycles following the purchase date (promotional period).
Other APRs
Balance Transfer APR: A 0% fixed APR for the first 12 billing cycles following the opening of your account. After that, or if your payment is late during the introductory period, 14.24% variable or 19.24% variable, depending on our review of your application and credit history.
Cash Advance APR: 24.24% variable
Late Payment APR: Late twice in any six-month period: 24.99% fixed on all balances. Late once during any promotional period: 14.24% variable, 19.24% variable, or 24.99% fixed depending on the number of late payments prior to the promotional period.
Overdraft Advance APR: 13.99% fixed (not available in some states)
