I have been using American Express for a few years with my first year being interest free. However I know pay interest and it’s 18.24% which I think is a little high, especially considering I have never been late a payment.
I am thinking about switching over to another card, citi, which offers 0% APR on balance transfer until 8/01/07. After that the rate is 13.99% variable.
What do you think about this and do you switch around different offers? Also, what offers do you think are the best?