Credit Card 0% Balance Transfer
Author: jer2911tx
Posted: Mon Aug 29, 2005 10:28 am
Post subject: Credit Card 0% Balance Transfer
Is anyone still doing a 0% balance transfer on the life of the loan?
Who has the best 0% balance transfer for 12 months?
I haven't seen any 0% for the life of the loan in about a year.
For the 0% balance transfer for 12 months (or 6 months), it seems like they vary in the balance transfer fee, from $50 to as high as $150.
we've had some unexpected issues with the car, so we need to move a debt from one 0% offer to another. my wife's paycheck goes towards unexpected things that come up, and paying off debt. she should have enough $$ by the end of 6 months to pay off the debt, but we need to transfer the debt from one 0% offer to another, hopefully for the last time.
it's about $10k, but she'll be working overtime until the holidays, so we may have that $10k saved up to pay it off by then, definitely within 12 months.
does anyone still do the 0% for the life of the loan offers?
would definitely have to check the fine print on that.
i think a 0% for 12 months would be fine, just have to compare the transfer fees.
my wife also wants to move my student loans to a 0% offer, but i'm worried that will lead to problems later, if we can't swap it around again and we lose the current student loan rate (about 5%). maybe after we get rid of the current $10k debt we're shuffling around....
so, anyone know if there are any 0% for the life of the loan offers (with minimum 2 purchases per month on the credit card) around?
or, what is the best 0% for 12 month offer?
we need about $10k.
our credit score should allow this amount.
i believe our credit cards currently have a limit greated than that
thx
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: hesiden
Posted: Mon Aug 29, 2005 11:36 am
Post subject: Credit Card 0% Balance Transfer
Discover has a 0% for life of loan, just saw ad in this sunday's paper. I don't see it online, but I'm sure if you called they'd know about it. However after something like 6 months you must make at least two $1 purchases which will be at the the regular purchase apr. At this rate it would take years for the intrest to build higher than the minium 50 cent finance charge.
Citi and Chase have 12 month deals. Citi has no fee BT. I have a 12 month 0% apr no BT pre approval from Bank of America. Its only 6 months on the web site, you might be able to get 12 months if you call. Citi seem to be the least hassle, since you can to it all on line.
Author: jer2911tx
Posted: Mon Aug 29, 2005 12:18 pm
Post subject: Credit Card 0% Balance Transfer
lol,
i just finished applying for the blue amex card before you posted.
0% balance transfer 15 months, no annual fee, no balance transfer fee
only 0% for life balance transfer info i found on the web was from 2004.
my wife is a flight attendant, and someone mentioned a 0% for the life of the loan balance transfer. i figured it was from 2004 since i couldn't find any info online abnout it.
do you know the link to it?
i just got approved for the amex one, not sure it's worth the hassle, and the added hit on the credit report to apply for another one
thx
Author: maddybeagle
Posted: Mon Aug 29, 2005 12:20 pm
Post subject: Credit Card 0% Balance Transfer
I have seen the discover card offer but with 50 dollar per month min. purchase (but I think that was on one of my existing cards).
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Posted: Mon Aug 29, 2005 10:28 am
Post subject: Credit Card 0% Balance Transfer
Is anyone still doing a 0% balance transfer on the life of the loan?
Who has the best 0% balance transfer for 12 months?
I haven't seen any 0% for the life of the loan in about a year.
For the 0% balance transfer for 12 months (or 6 months), it seems like they vary in the balance transfer fee, from $50 to as high as $150.
we've had some unexpected issues with the car, so we need to move a debt from one 0% offer to another. my wife's paycheck goes towards unexpected things that come up, and paying off debt. she should have enough $$ by the end of 6 months to pay off the debt, but we need to transfer the debt from one 0% offer to another, hopefully for the last time.
it's about $10k, but she'll be working overtime until the holidays, so we may have that $10k saved up to pay it off by then, definitely within 12 months.
does anyone still do the 0% for the life of the loan offers?
would definitely have to check the fine print on that.
i think a 0% for 12 months would be fine, just have to compare the transfer fees.
my wife also wants to move my student loans to a 0% offer, but i'm worried that will lead to problems later, if we can't swap it around again and we lose the current student loan rate (about 5%). maybe after we get rid of the current $10k debt we're shuffling around....
so, anyone know if there are any 0% for the life of the loan offers (with minimum 2 purchases per month on the credit card) around?
or, what is the best 0% for 12 month offer?
we need about $10k.
our credit score should allow this amount.
i believe our credit cards currently have a limit greated than that
thx
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: hesiden
Posted: Mon Aug 29, 2005 11:36 am
Post subject: Credit Card 0% Balance Transfer
Discover has a 0% for life of loan, just saw ad in this sunday's paper. I don't see it online, but I'm sure if you called they'd know about it. However after something like 6 months you must make at least two $1 purchases which will be at the the regular purchase apr. At this rate it would take years for the intrest to build higher than the minium 50 cent finance charge.
Citi and Chase have 12 month deals. Citi has no fee BT. I have a 12 month 0% apr no BT pre approval from Bank of America. Its only 6 months on the web site, you might be able to get 12 months if you call. Citi seem to be the least hassle, since you can to it all on line.
Author: jer2911tx
Posted: Mon Aug 29, 2005 12:18 pm
Post subject: Credit Card 0% Balance Transfer
lol,
i just finished applying for the blue amex card before you posted.
0% balance transfer 15 months, no annual fee, no balance transfer fee
only 0% for life balance transfer info i found on the web was from 2004.
my wife is a flight attendant, and someone mentioned a 0% for the life of the loan balance transfer. i figured it was from 2004 since i couldn't find any info online abnout it.
do you know the link to it?
i just got approved for the amex one, not sure it's worth the hassle, and the added hit on the credit report to apply for another one
thx
Author: maddybeagle
Posted: Mon Aug 29, 2005 12:20 pm
Post subject: Credit Card 0% Balance Transfer
I have seen the discover card offer but with 50 dollar per month min. purchase (but I think that was on one of my existing cards).
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 12:45 PM
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