Do you know that if you have Washington mutual credit card counts interest in different way. You would have to read fine print to know it. Here's what they do. Let say you have taken $100 for balance transfer. You also make a purchases of say $50. In the middle of the month if you pay $150, it will first pay to purchases made, then at the end of month if anything extra is left then, it goes towards balance transfer. The balance transfer will be at much higher rate than purchases. Hence, if happen to make another $80 of purchases also, it will pay off $20 towards balance transfer and you will still have to pay finance charges for remaining balance. Hence, even $100 balance transfer or cash withdrawn, will go on for months drawing finance charges. I think that is fraud.