Clearly you are not a victim of their promotional APR scheme.
Don’t be.
I had an APR of around 10-13% with them, and took advantage of a 0% APR on convenience checks for 12 months to pay off a large balance...
But as soon as a single payment went just 1-2 days late, they jacked up all my rates well over 18% on top of the late fees and cancellation of the promotional APR.
They will do everything they can to encourage consolidation of debt with them at low rates... but God help you if you go even a day late on payment.
That's the beauty of automatic payments; you never are late or forget one.