I received an offer in the mail today for this card, with 40k bonus QFF points, lifetime annual fee of $125 (instead of $395 as per the website), and balance transfer rate of 0.99% for 9 months (instead of the website offer of 6 months).
Seems a a good deal. Any views/thoughts from existing holders of this card?
Also, can anyone tell me how the balance transfer works? Do they require an existing account to be closed down or do they close an existing account on your behalf? Never done a balance transfer before and I'm sure each bank does it differently.