I called Wells Fargo to inquire if I could reduce my current personal credit card rate. I was told by the agent that " they would transfer money into my personal checking account at 4.9 %, plus a fee '' When I asked for clarification, he had no clue what he was talking about. I KNOW what he was talking about - a Balance Transfer with a fee. He could not explain it, provide disclosures, provide details, etc. I immediately asked for his supervisor. " XXXX '' got on the line after XXXX min to tell me that " I was not understanding his associates words ''. HA. I totally understood ; his phone rep did not. I have worked in the credit card industry. It was misleading, uninformed, bogus, totally outside of standard practices. 
