[vilemerchant]

Well the card finally came and according to the documentation it is 9.95% with no mention of revolving interest rates based on spend.

One slight annoyance, I have a 'MyCard' Mastercard who were bought out by Citibank a few years back. Surprisingly on the Citibank online application MyCard were an option to balance transfer to the new card, so I thought I'd be able to transfer my 5K debt to pay 0% for 6 months. As it turns out, because they already own my ass they're not willing to BT from one card to the other, but if that's the case why the hell have it on the drop down menu as somewhere they accept BTs from? A little bit annoying but I guess I'll be saving some money simply by using the 9.95% card for day to day stuff and only paying down the 18% MyCard.