uguud said:All my MBNA cards carry a 3% BT fee (max $50). I think it's pretty universal.

my mbna worldpoint is 3% min 15 max $75

mbaker4096 said:mmasiak said:Well... most of mine had 3% with no max ::: BUT! They let me transfer CL from old card to the one I was opening without having to close the first, and get a decent BT for advertised 3%.They still nailed you for 3%.

Unless you only ended up with a $2500 total CL, it would have been better to apply for a new card with a $75 max (or the Motley Fool, which waives BT fees on those requested with the application) and reallocating balances to that one before requesting a BT.

True... I can only say. Hey! - there is always tomorrow. I'll need to renew BT one day.
My excuse is that I got a mailer with offer, which I thought gives me better chances for the new CC, and I was desparate to jump from 9% HELOC asap and (almost) anywhere.

BTW - how does BT transfer work if you do not know your new CL? If you call appl ctr - they wouldn't know new CL. Can you specify you want BT, say, 500$ less than your new CL?

Principal, 0% for 5 cycles on purchases and BT with no fee. Link.

Added to QS.

Did anyone apply for the fool card ?

I try applying over the phone, the csr told me 3% BT fee !
I keep telling the CSR on the website it states "Transaction fees are waived on transfers requested with your application." Still no go ! Try with 3 csr !

Maybe it just bad luck, need to retry later or tomorrow.

Anyone have any input or experience on this matter ?

mbaker4096 said:Any reason why you don't want to use the online application? Call them up the day after you apply online to inquire re: your application and they'll forward you through to a credit analyst if that's who you're looking to speak to.

Applying over the phone you're just talking to people reading off of a script...not a credit analyst that knows what's going on and can make decisions one way or another.

My browser displays the application form incorrectly, thus I apply over the phone, rather than online.
Finally got a CSR to agree with me, she said she is the "Manager" and I got a decision over the phone for 15K in Balance Transfer. Although I wanted a deposit in my checking account at first, but was told 3% and $75 Max apply to ACH or cash advance check.

Anyone have any recommendations on which card/offer would be the best to apply for? I have about $9k of balance I'd like to be able to transfer, so getting a CL equal or above that is one of my main concerns. 12 months of 0% would be preferable as well. Anyone care to offer any insight as to who might be the best to apply with in getting the CL I need? Thanks.

Yanked this one from the other thread...kudos to ProfessorB.

ProfessorB said:Citi Platinum Select - offer code F1C8, apply by 5/15/06

0% APR on purchases and balance transfers (no fee) until 4/1/07. Extend your 0% APR, on balance transfers only, until 7/1/07 if you apply online. www.apply.citicards.com 1-800-601-8341

I just got an offer from US bank for 0% no fee for 12 months.

sandy05 said:Hypersion said:I just got an offer from US bank for 0% no fee for 12 months.
What is max BT Fee on it?


um

NO FEES!!!!

randall said:Yanked this one from the other thread...kudos to ProfessorB.

ProfessorB said:Citi Platinum Select - offer code F1C8, apply by 5/15/06

0% APR on purchases and balance transfers (no fee) until 4/1/07. Extend your 0% APR, on balance transfers only, until 7/1/07 if you apply online. www.apply.citicards.com 1-800-601-8341
I have this card, good offer imo. Applied online and was approved instantly with over a 10K CL. This is my first experience with Citi, I like them so far...