Hello, I am new to FW, been lurking for a few weeks and just signed up. I am learning alot. Any ideas how to use this promotion to benefit my situation. I want to use a BT to pay off my $11,000 of student loans I still have at 9%. I was going to use a Bank of America 0% offer where the rate is good until June, 2006 but this looks tempting. I would appreciate any suggestions as I am still trying to figure out this world of BTs and Cash Back. Thanks

You know, I have been reading the multitude of threads on the topic. Believe it or not, it gets confusing for someone who has never looked into this stuff before. I know see that I was confused by a few posts I read where I thought someone was doing this, actually they were new purchases not BT. Thanks for making a new guy feel really welcome. This was my first post here, I do not think I needed to be dealt with as harshly as you did. A simple statement that I had made an error would have been fine. I will try not to bother you so much in the future.