Jamie Lee received an offer to transfer the balance of all of her store credit cards to her bank credit card in the mail. It offered zero percent finance charges/interest for the first three months (90 days), and an 18.5 percent interest rate thereafter until the balance is paid in full.

Upon reading the fine print, she saw there was a $50 transaction fee and interest accrued from the day the balance transfer was made if the balance was not paid in full within the first 90 days. How could Jamie Lee use this balance transfer offer to her advantage? How is this offer a major disadvantage to Jamie Lee?