So I took out a bunch of money on one of those convenience check things that has a balance that is fixed for life at 3.99%. I still have a small balance left on that account so now that they have been bought what happens to that account? I'm assuming now I'll be paying a different bank but can the bank suddenly change the terms on that 3.99% fixed for life which would force me to pay back the balance immediately otherwise pay the ridiculous 15%+ rates they charge on normal purchases?