A few hours after I put the final period on my last post about balancetransfer.citicards.com, I received an email from Citibank enticing me use my balance transfer opportunity to, “Pay off high-rate creditors, Consolidate your bills for one easy monthly payment, Pay for unexpected expenses, such as home improvements, medical expenses, or anything else you need, or Plan your holidays early this year.”

Since I’ve already gone over how this offer can actually cost you much more money than it could save you, I just want to point out the funny part. The list above is followed by this call to action, “It’s fast and secure, no need to delay! The more you transfer, the more you may save on interest. Transfer your balances online today at http://balancetransfer.citicards.com.”

No disclaimer. No disclosure. No mention of 3% balance transfer and cash advance fees. No mention of the 22% cash advance interest rate. Just a warm reminder from your good friends at the credit card company to take advantage of their benevolent generosity.

Because I received this via email, I unfortunately cannot put this fine offer in the shredder. However, that’s where this offer belongs.