<prompt> Human: Hello PF!I recently graduated college, and have started working for a decent salary. I was approved for the Southwest Premier card, and I noticed that they will give points for every dollar of balance transfer for the first 90 days without a fee. Ive never used a balance transfer, so Im a little wary of them. Is there any downside to this? I currently pay my two other cards off every single month, so is isnt an issue of needing to get a lower APR, more just to claim the points. I only currently have about 800 combined on both cards.Thanks!It may only be 30 days. I dont have the info sheet right in front of me, but its only for an abbreviated period.  <response>: Usually balance transfer fees are around 3... if this is an exception, I might take advantage of it.Check your disclosures. Be careful. Read your agreement. 