Last year I got a free credit card transfer and no interest for 1 yr deal. Woohoo. I only made payments and made no purchases on card. Last month I paid off balance. I figured there might be some accrued interest for last month and did not check my statement. Yep, and got $35 late fee for not paying interest. Ugh. Called CC and they dropped late fee and wiped off interest too. Woohoo. There are some nice CC firms after all.