<prompt> Human: Today I got an email from Barclays with a promotional offer to transfer my available credit on my Uber Visa card to a checking account for a balance transfer fee of 1 and a 0 interest rate until January 2020. My available credit is 12,000, and I plan on continuing to use the card so I wouldnt want to transfer more than 11,000.The fine print is pretty simple, it doesnt look like they will back-charge the interest if I do not pay off the balance by the end of the offer period which Ive heard can often be the case with promotional interest rates, but I dont plan for that to be a problem anyway. I do not plan on purchasing a car or taking out any other loans or opening new credit cards throughout the year, so the available balance hit to my credit score wont matter. I am doing just fine, my only debt is a mortgage, so I cant pay off anything with this offer. My bank account has a 1.85 APY right now, but I dont know if the hassle is worth 93.50 .85 11000. I could just dump the balance straight into my brokerage account 6040 VTIVXUS, and pay it back throughout the year. This would make sense from a lump sum vs cost averaging perspective, but it is a little risky, as there is an opportunity cost if the market drops and Im stuck paying back the balance instead of investing with every paycheck like I normally do.I dunno, what do you guys think? fine print: 1 Eligibility for an ACH is dependent on receiving a Promotional Offer, account in good standing, and other risk criteria. Only 1 ACH per month allowed. Please consider your available credit and the transaction fee when determining the balance transfer amount. Disclosure information for balance transfers made under this offer: Promotional APR for Balance Transfers under this offer: Promotion APR of 0 through the last day of your statement that closes on or after January 1, 2020. After the promotional period ends, the APR for these transferred balances will be the standard APR, which is currently 16.74. This APR will vary with the market based on the Prime Rate. The standard APR for balance transfers noted above is current as of September 26, 2018. Post by Date: Your balance transfer must post to your account by December 3, 2018 for this promotional APR offer to apply. If the balance transfer posts to your account after that date, you will not receive the promotional APR. Instead, the standard APR for balance transfers will apply. Balance Transfer Fee: Either 5 or 1 of the amount of each transaction, whichever is greater, for transactions that post to your account by December 3, 2018. If the balance transfer posts to your account after December 3, 2018, the Balance Transfer Fee will either be 10 or 3. Paying Interest: We charge interest on purchases, balance transfers and cash advances beginning on the transaction date. You can avoid paying interest on purchases if you pay your entire balance which includes all purchases, cash advances, and new and existing balance transfers by the payment due date each and every month. This offer includes a reduced APR on balance transfers during the promotional period. You can avoid interest on purchases without paying your entire balance. Instead, you can pay, by the payment due date, your entire balance minus this reduced APR balance transfer balance. To avoid a late fee, you should pay at least the minimum payment due on your account each month.  <response>: Sounds like a lot of work for 68, especially bc if you screw up and forget to pay it back, one month at 16 will be more that 68 in interest. 