Q: Can I transfer a balance later and get the same offer?
There is simply no way to answer your question without seeing your contract. Your best bet is to read your contract or contact your credit card company and ask for both balance transfer APR as well as transfer fees applicable to your card. Most introductory balance transfer offers expire within a time frame specified in the terms and conditions when you apply.
When you transfer balances, you have to be very careful. Consider, for example, a savings of 4 percent on the balance transfer APR, but with a 5 percent balance transfer fee--great for the credit card company but not financially savvy for the consumer!
- I did a balance transfer to one of those 0 percent interest cards for a span of some months - but my first bill came and there was over $375 in some sort of fee. What gives?
- Does interest accrue on a balance transfer?
- I have over $5,000 on a Chase Visa credit card. I would like to get a card with zero interest on balance transfers for 18 months. What is the best card to apply for?
- Which bank offers the best debit card?
- Are Discover Card credit cards any good?
- Why do you rate American Express credit requirements as "good credit" to secure a card? I thought to qualify for an American Express card you have to have excellent credit.
- Is a credit score of 725 considered good?
- Supposing you have a perfect credit score of 800 or better; which credit card offers the highest credit limits?