While some major issuers have imposed a 3% balance transfer fee, Chase is now charging some cardholders a $50 flat fee for balance transfers. However the fee does not apply to initial transfers connected with a specific offer. Chase also says it may waive the fee under certain circumstances. Meanwhile, First USA, the first issuer to levy balance transfer fees, continues to charge a 3% balance transfer subject to a $5 minimum and a $35 maximum. First USA’s latest offer for its ‘Titanium VISA’ offers a fixed 1.9% six-month intro rate on balance transfers, according to CardWatch ([www.cardwatch.com]). Citibank also charges a 3% balance transfer fee subject to a $10 minimum and a $29 maximum. Citibank is currently offering new customers a 0% intro rate on balance transfers exceeding $3,500, and a 1.9% intro rate on balances below $3,500, until the Jan 2002 billing period, according to CardWatch ([www.cardwatch.com]).