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"If offered, 0% until January 31, 2009 for transfers made at account opening (without Promotional Convenience Checks) or made by using the Promotional Convenience Checks by April 30, 2008. Thereafter, Standard Purchase Rate applies. Checks used after April 30, 2008 will post at your Standard Cash Advance APR. The 0% promotional APR applies only to balance transfers and not to purchases or cash advances. The promotional rate may increase if your account is consistently past due or you make your monthly payments late."