Updated 10/21/2005 with information from abbyofsteel
Here's the info I got in the newspaper 1800-347-0320 - Reward Card 0% APR for LIFE - When you make 2 purchases monthly Up to 5% Cash Back -You have to sign up for it ... I called and forgot to ask about that. Invitation #FMBB
1800-633-4111 - Miles Card 0% APR for LIFE 10,000 miles when you make a transaction by 2/16/06 #FMBF
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Updated 9/18/05 with information from EugeneV:
1-800-767-8466
Invitation #FKVP - 5% Cash Back on "Get More" purchases in popular categories all year Invitation #FKVQ - 5% Cash Back on the first $1500 in gas purchases (merchant codes 5541 and 5542) Invitation #FKVR - 10,000 bonus miles after first purchase
All offers include 0% APR on transferred balances until April 2006 and 0% APR for life on transferred balances if you make two purchases a month after April 2006. All offers ends September 29.
End of 9/18/05 update ------------------------------------------------------------------------------
Several people have been asking how to get the 0% for life deal from Discover. I found an ad in the August 8 issue of U.S. News and World Report for the 0% APR for Life.
This is a phone only offer 1-800-347-3575 during business hours Monday-Saturday. The invitation code is FJQH.
It is 0% interest on transferred balances (max fee $29 per transfer) until March 2006. 0% offer is extended with 2 purchases each month (any amount).
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-----10/21/2005--------------------------------------------- Here's the info I got in the newspaper 1800-347-0320 - Reward Card 0% APR for LIFE - When you make 2 purchases monthly Up to 5% Cash Back -You have to sign up for it ... I called and forgot to ask about that. Invitation #FMBB
1800-633-4111 - Miles Card 0% APR for LIFE 10,000 miles when you make a transaction by 2/16/06 #FMBF
1800-287-8772 - Gas Card 5% Cash Back on select places. #FMBD
It refers to the LIFE of a small hamster, who is not doing that well. As long as the hamster can turn the wheel, the rate is good, after that , you're on your own.
I just moved a 12500 car loan on this card, PERFECT if you have large amounts.
Initial 29 dollar fee and then you pay .50 minimum finance charge per month once you start making the required 2 1.00 dollar purchases per month. In the long run, this is not really a 0% loan but more of a 0.9% loan if that.
Evaluate the terms and see if you have the discipline, if so, this card can be VERY beneficial to you.
Fly01 said:1. Anyone know if ads in U.S. News and World Report are the same everywhere, or are they regional?
2. BT only? Anything at all in ad about deposit straight into your account?
3. In case of mistakenly failing to make required amt. of purchases per month, what will rate become?
The ad was in Texas, and I am a magazine subscriber. There is no mention about a deposit straight into a checking account. It only says that the 0% is on transferred balances. If you fail to make the two purchases per month, the rate becomes the standard APR for purchases, which in June 2005 was a variable rate between 8.99 and 13.99%.
I applied on Monday and did not get immediate approval, so the CSR told me that they will make a decision and contact me by mail in 2 to 3 weeks. It took about 15 minutes on the phone for the CSR to take the application and go over the details of the offer.
would it make sense for me to roll a $10.5k student loan into this 0% BT? The interest rate is around 3.75%. The only benefit of keeping it a student loan is the interest deduction, correct? Am i missing something else?
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