So while managing the herds last night my DW realized that she did a BT last year to Citi Simplicity for 8K……..still owes 1K and BT period expires next month. If there is a balance left on the BT after the 0% period expires will she be charged retroactive interest on the entire BT amount or does she just start paying interest on the remaining 1K. We have been looking at getting a new 0% card and to another BT or should I just pay the 1K and forget it. Would getting a new card just for BT be frowned upon or do creditors care? DW EQ is above 800 Fico and wants to keep it there.