I just wanted to share my happiness! Sometimes, when you screw up and miss a payment on your credit card, they WILL take into consideration that you pay on time otherwise, and give you back your 0% interest rate, AND refund you your late fee and the $200 in interest they charged after the rate went up.
This is the last balance transfer I needed to pay off my old debt (I've learned my lesson, I have no further credit card debt, just need to pay off the old). I transferred after my last card's introductory rate went up (as they do after a year), to a new card with 0%, just as I was moving and lost track of the payment on the new card, and they jacked up my interest to 18% after I was only 4 days late.
But all is good now. I figured they'd be all HAHA we already have your money too bad! But they were actually willing to work with me! I'm so happy. I'll have this last bit of debt paid off before the introductory period is over.
Sometimes, asking nicely and politely really does work.