Oh ok, i've never done a balance transfer before..Often with such plans (like balance transfers etc.) the balance on the plan is per the terms (i.e. no interest, no fees etc.) but anything else you spend on the card then no longer qualifies for interest-free days and start accruing interest from the posting date. So be careful, check what happens with other spending and how payments are applied to the "plan" amount verses new charges etc. if you expect to continue using the card during the payment plan period.