Inquired about "Balance Transfer" offer. One MUST call CS to give other credit card info over the phone to do this, and per CS rep, could take up to 30 days. So why not include convenience checks like real credit card companies do? Saves a LOT of time, and what a hassle! Probably won't use these cards now. Seems fishy from the start. Of course, this company was formed by former Capital One and Bank of America executives... makes one wonder... why they are no longer employed as executives...