Marketing wants to do a mailing to existing customers who do not have a visa with us already. It is a balance transfer offer of 0% rate for 90 days for both our visa types - one is variable rate and one is fixed rate.

Am I reading 226.55 correctly that the 0% rate must be for 6 months - not just 90 days? Would that be for both the variable and the fixed rate offer?

Anything else I need to know about this type of offer?