Have you seen print ads regarding HSBC's Promo for Balance Transfers at Zero Interest for 12 mos? I checked out their website for more details and it turns out that this promo is for new credit card applicants only. And the balance transfer has a limit of P6,000 to P12,000 pesos only. Well, for those interested in applying, you have to get the application form that says O% BT Promo. Promo period is from July 15 to Sept 30, 2007 only.