I am sure this comes as no surprise to seasoned AFFers but I succumbed to a rookie error with this card. I was approved without much hassle and took up the balance transfer option, but now on my second statement have $150 worth of interest charges, despite paying all my purchases in full by the due date, leaving the balance transfer only. Turns out you are only eligible for interest free days if you pay the closing balance in full INCLUDING balance transfers. This makes the balance transfer fairly useless to me, unless of course you did not make any additional purchases on the card for the six months. Thankfully Citi have waived the interest in my case. Maybe I really should read the T&Cs in full in future...