If I would've know that it was an option that was applied to my account I would've used it to my advantage completely. Because I understand that it is pretty much giving you a long time to pay off your card without having interest...that is fabulous. But I thought it was an offer that they were giving like for 6 months no interest if you are interested, not this is what is going to happen in a couple of months. the thing that irritates me is that they can call and tell you when you didnt make your payment or when they are offering identity protection, but they cant call and tell you hey you are about to get charged 700.00, because of this deferred promotion thing. credit card suck! i'm over the whole ordeal, because they worked with me on my card, but on my boyfriends card they are not willing to help him at all = (