Hi,

Does anybody know if the 0% forever offer is still available?

From those that have taken advantage of it what are your experiences?

For the last 2+ years I have surfed from 0%, and my current 0% expire at the end of the year. So, I'm looking for the 0% credit cards.

Somebody once told me that credit card surfing will hurt your credit rating, but I have not experienced any problems. Refinanced my mortgage several months with no problem.

Sockmonkey, How do you apply? Do you have a number you can share?

TAG

Does anyone know whether it will be possible to make $0.01 Paypal charges to this card by sending a $0.01 payment to myself or another person?

Do the Paypal charges appear on the card as "purchases"?

I tried called SockMonkey's Providian offer and supplying the product #. It was not enough; they wanted a reservation number to talk at all. I was calling to ascertain the payment schedule.

Anybody know a way around this ?

..The CSR was willing to transfer me to another CSR, in order to request a app be sent out to me; I didn't attempt this route..

I don't have it in front of me right now, but I believe the minimum monthly payment was 2.5%.

Sock

Any luck with the reservation number Sockmonkey? How about just the format of the number if it's tied to your info. TIA

The reservation number was tied to my info.

I'll give the format, though I'm not sure how it would help:

K83-#####-####-#

SiS
Got my 0% for life from Discover by calling and asking for any available special offers for BTs. My card was eligible, the wife's wasn't. Will call again next month for my wife's card, they said they would have a 'new offer' for her.

I maxed mine(less a penny)with BTs. Only need to make minimum payments and ONE charge a month beginning in Feb to extend the offer on a monthly basis indefinitely. Will take me several years to actually pay it off assuming Discover doesn't change the terms. Should be interesting to see just how long I can milk this.

Justalil said:

<< SiS
Got my 0% for life from Discover by calling and asking for any available special offers for BTs. My card was eligible, the wife's wasn't. Will call again next month for my wife's card, they said they would have a 'new offer' for her.

I maxed mine(less a penny)with BTs. Only need to make minimum payments and ONE charge a month beginning in Feb to extend the offer on a monthly basis indefinitely. Will take me several years to actually pay it off assuming Discover doesn't change the terms. Should be interesting to see just how long I can milk this. >>

How much are the minimum payments (if you made purchases of $0.01)?

Justalil said:

<< cak144
NO BT fees!

dquan97
Min finance fee is 50 cents/month beginning in Mar. Discover CSR said minimum I could charge was a dollar, so that will be what I do for next few years. According to my spreadsheet, it will be at least Jul 2006 before I pay more than the 50 cent/month min and at that time I will have paid about half the balance off. The loan cost doesn't exceed a dollar a month until Jul 2008, when balance is well less than a third. The effective interest rate of paying the finance charges does not actually exceed 1%/yr until after Jul 2011, when balance is ~ one fifth the original. This appears to be very cost effective loan for the foreseeable future and the I-bonds I have to cover this loan will earn many times the finance costs. It really does 'pay to Discover'. >>

I can guarantee you they will change the terms of this offer long before 2011, probably even beforr 2006... ;(