Balance Transfer to Another Credit Card
Author: Diane
Posted: Mon Jul 12, 2004 12:56 am
Post subject: Balance Transfer to Another Credit Card
11/19/2001 11:37 am CDT
I have a perfect credit score,but I am 25000.00 in debt
on my MBNA card...Im trying to pay it off but its 15% interest...is there a credit card I can transfer to with a low fixed rate...should I get a bank loan at 9%...Help
Thanks for any suggestions Diane
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Author: mouse
Posted: Mon Jul 12, 2004 12:56 am
Post subject: Balance Transfer to Another Credit Card
11/19/2001 11:41 am CDT
Trade to MBNA QUANTUM, 11.99% (better than nothing).
It will help till you find something better.
Author: Ira Stoller
Posted: Mon Jul 12, 2004 12:57 am
Post subject: Balance Transfer to Another Credit Card
11/19/2001 6:57 pm CDT
Look around and you'll find many cards offering great intro rates on balance transfers, some as low as 0% for six months. Of course you'll have to be cardful to either pay off the entire balance while still enjoying the low rate, or have another low rate card ready in the wings to transfer the remaining balance when the first low rate expires. I can't verify this right now, but you might look into American Express' Optima Card. They have had a zero percent offer for either six or nine months.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: Cathy
Posted: Mon Jul 12, 2004 12:57 am
Post subject: Balance Transfer to Another Credit Card
11/20/2001 1:45 am CDT
Have you considered calling up MBNA to see if they can lower the rate for you? If you are in good standing they may consider lowering your rates, then did lower mine a couple of percentage points awhile back (I have the sprint mastercard). Now that the fed rates are lower I'm considering asking again. But if your credit score is as high as you say and you are in good standing with them they may lower it somewhat for you depending on which card you have. It's worth a try at least until you can come up with another solution.
Author: Ed Mason
Posted: Mon Jul 12, 2004 12:58 am
Post subject: Balance Transfer to Another Credit Card
11/20/2001 8:49 pm CDT
What is your Credit line on your card? How many other Credit cards do you have and what are the Balances..? Are you making more than the min? How long have you had your Card..? Call The Toll Free # on the Back of your Card, ask them if you can Discuss your interest rates.. I would say that if your rate is still at 15.9.. You would probaly have a chance to get some assistance.. If it was at a risk based 19.98 to 24.98. you would not have any success.. Good Luck
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 Jul 12, 2004 12:56 am
Post subject: Balance Transfer to Another Credit Card
11/19/2001 11:37 am CDT
I have a perfect credit score,but I am 25000.00 in debt
on my MBNA card...Im trying to pay it off but its 15% interest...is there a credit card I can transfer to with a low fixed rate...should I get a bank loan at 9%...Help
Thanks for any suggestions Diane
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: mouse
Posted: Mon Jul 12, 2004 12:56 am
Post subject: Balance Transfer to Another Credit Card
11/19/2001 11:41 am CDT
Trade to MBNA QUANTUM, 11.99% (better than nothing).
It will help till you find something better.
Author: Ira Stoller
Posted: Mon Jul 12, 2004 12:57 am
Post subject: Balance Transfer to Another Credit Card
11/19/2001 6:57 pm CDT
Look around and you'll find many cards offering great intro rates on balance transfers, some as low as 0% for six months. Of course you'll have to be cardful to either pay off the entire balance while still enjoying the low rate, or have another low rate card ready in the wings to transfer the remaining balance when the first low rate expires. I can't verify this right now, but you might look into American Express' Optima Card. They have had a zero percent offer for either six or nine months.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: Cathy
Posted: Mon Jul 12, 2004 12:57 am
Post subject: Balance Transfer to Another Credit Card
11/20/2001 1:45 am CDT
Have you considered calling up MBNA to see if they can lower the rate for you? If you are in good standing they may consider lowering your rates, then did lower mine a couple of percentage points awhile back (I have the sprint mastercard). Now that the fed rates are lower I'm considering asking again. But if your credit score is as high as you say and you are in good standing with them they may lower it somewhat for you depending on which card you have. It's worth a try at least until you can come up with another solution.
Author: Ed Mason
Posted: Mon Jul 12, 2004 12:58 am
Post subject: Balance Transfer to Another Credit Card
11/20/2001 8:49 pm CDT
What is your Credit line on your card? How many other Credit cards do you have and what are the Balances..? Are you making more than the min? How long have you had your Card..? Call The Toll Free # on the Back of your Card, ask them if you can Discuss your interest rates.. I would say that if your rate is still at 15.9.. You would probaly have a chance to get some assistance.. If it was at a risk based 19.98 to 24.98. you would not have any success.. Good Luck
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 12:32 PM
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