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.

We usually have store credit cards like Best Buy, which we don't use frequently. But from Best Buy we never receive the statement on time and always receive late fee charges in next months statement. It had happened to me so may time.