A few weeks ago, I received an offer from American Express clearly stating that any balance transfer I made during the first six months of the agreement would be charged at (quote): "6.9% for as long as it takes to pay off the balance". I applied for the card on this basis.
20 days later, I received the card. However, the Credit Agreement (small print) says something diferent than the original offer: It says that "we will charge an interest rate of 6.9% APR on balance transfers conducted within the first 6 months after you open your account, for a period of 6 months from the date we sign this agreement- and thereafter at a rate of 9.9% APR.
As you can see, the last line of the above paragraph does not say the same thing as "6.9% for as long as it takes to pay off the balance".
Which are they legally bound by; the original offer stated in the offer letter, or the credit agreement they are now expecting me to agree to, having marred my credit record by doing a credit enquiry on me apparently under false pretences?
Jake