I saw this in Sundays paper listed in a SmartSource advertisment. Must apply online. Get 3 extra months of 0% bt. Good on BT only until 9/1/07. States no balance transfer fee with this offer. www.apply.citicards.com offer code F1E5 Edit by Moderator: Thank you for participating in the forums. However, this topic has been covered in a recent post Here.
Does Citi offer the option to simply transfer the money to a checking account or does it have to be a true balance transfer? (I know Chase will let you transfer to checking account).
Also, I read the terms and conditions that state no feed on the zero % offer, but does the zero % BT offer extend past the opening of the card (example: I open card and do a BT when I open it. I then build up my other cards to get rewards. I would assume that I could zero % BT again to the CITI card with ZERO fee?)
Engineer said:Does Citi offer the option to simply transfer the money to a checking account or does it have to be a true balance transfer? (I know Chase will let you transfer to checking account).
Also, I read the terms and conditions that state no feed on the zero % offer, but does the zero % BT offer extend past the opening of the card (example: I open card and do a BT when I open it. I then build up my other cards to get rewards. I would assume that I could zero % BT again to the CITI card with ZERO fee?)
You also want to read this (all 3 parts) before you do any 0% transfers.
I think you will not get zero fee automatically on the second request, but it doesn't hurt to call in and ask for the fee to be waived. I know that if you don't do the 0% offer at the beggining, you still get it as an option later on.
Engineer said:Thanks andrey0. Great and informative post!
Edit: I would rather have it directly deposited into account (as Chase does) instead of a check. Anyone done this with Citibank? Possible?
Thanks to you all!
If you clicked on 2nd image in MyMoneyBlog's post, you'd see. • Pay up to 4 creditors • Put money in your bank account —without the high Cash Advance APR. NOTE: Your bank account information may be required.
I suggest you reread those two links more carefully before you do any 0% BTs. Also other "rama" posts on this forum are a good read.
andrey0 said:Engineer said:Thanks andrey0. Great and informative post!
Edit: I would rather have it directly deposited into account (as Chase does) instead of a check. Anyone done this with Citibank? Possible?
Thanks to you all!
If you clicked on 2nd image in MyMoneyBlog's post, you'd see. • Pay up to 4 creditors • Put money in your bank account —without the high Cash Advance APR. NOTE: Your bank account information may be required.
I suggest you reread those two links more carefully before you do any 0% BTs. Also other "rama" posts on this forum are a good read.
Thanks andrey0. I had saw that and right below it was an image with "send me a check" type of message. I have read of problems with people depositing CC BT checks and would much rather have it directly deposited into my account. I know Chase does this but wasn't sure of Citi. I have read a few of the AOR threads and have also read threads on BT like DaveHansens. There are risks for sure but I usually set automatic payments for minimums (or full if there is interest involved). I'll re-read a few more but don't like dealing with a paper check. Electronic transfers FTW!!!
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