Very often I am getting these "convenience checks" some offer 0%APR for6 months others 3.99%PAR for the lifetime of the balance, my question is can the credit card co. change the APR at any time? Or do we have a contract if the letter says "3.99 for the lifetime of the balance"?
I'd like to use one of these checks and payoff my student loan ($21K) at 9%APR. Seems I'd save a bunch in interest, right?
I want to do these so I can remove my cosigner from my private student loan.