You live in canada and you have an mbna mastercard. You want to do a balance tranfert but you are not sure about the low rate promotion they propose you, maybe because you have already a balance in your account and you want some advises and trics. For exemple : you really need a low promotion rate and have choice of 0.99% and 1.99% but you have already a balance with this 0.99% and having difficult to reimbourse it. It better for you to take the 1.99%. Come in my Gigs and ask me why?