The card that I would transfer the balance to advertised a 0% rate for 6 months, but that 4.9% and $60 was in the fine print.

When I got the notices raising the interest rate, they were worded that if you didn't accept the raised rate, you had to pay off the card, and at the time, I didn't have any other cards to transfer the balance to and I didn't have the moolah to pay it off.