I received a 1.9% offer from them last December, same terms. Took out a decent sum to play with in the market. Made the mistake of continuing to charge additional items with the intention of paying them off as usual while letting the 1.9% amount carry until the end of the six months. Sure enough, they tried to charge the higher rate on the new charges. Won't be using this card now until the end of the six month period. I just received another 1.9% transfer offer in the mail this week. I wonder if they are making as much off my 1.9% as they would off the merchant fees from my $5-10k monthly charges I always pay off each month.