Bank of America Visa (AKA FIA Services) sent a very deceptive offer to transfer credit card balances to BA for a 0% interest rate using checks they mailed me. Turns out that the "transfer" is actually a Cash Advance with a 4% up-front fee they add to your balance immediately.
The reality was buried in microscopic fine-print buried in legalese nonsense you need a law degree to understand. When I called FIA to find out what they had done, the sales representative laughed at me and was a thoroughly rude *** who treated me like a chump.
I actually had the money to pay off American Express but fell for the deceitful offer because it seemed like a good deal. Avoid them!