OK, I've got about $8000 on two Chase cards at 0% that I want to roll over to another 0% card, but I'm having trouble finding a good long 0% BT offer (i.e. 12 months) with no fee. Any ideas?

It can't be Chase because these are Chase cards.

It can't be Citi because Citi won't give me credit. I had a settlement with them a few years back that's still on my credit report. I have applied for credit with them in the fairly recent past (last fall) and got turned down. (Everyone else is happy to offer me credit despite that blemish, but Citi apparently is taking it personally.) So don't want to apply with Citi again until the settlement falls off next year.

I have an offer from WaMu that offers 0% for 12 months but a 3% fee max $75... I will go for that if I can't find anything better, but thought I'd ask here first.

An alternative would be for me to just pay off the Chase cards, then get a savings account that lets me fund it with a credit card and do it with a card that offers an intro 0% rate on purchases. (The FNBO BucksBack card looks good for that, with its 1% cash reward and $40 in bonuses.) Unfortunately the only two accounts I'm aware of that can be funded with a credit card are the RateEdge account (which is only available to New York residents and their relatives) and Citi's savings account. I know Citi does a hard pull and I'm afraid the vindictive bastards won't even approve me for a savings account. Are there any other savings accounts that let you fund with a CC?

g10ny said:kindall said:
It can't be Citi because Citi won't give me credit. I had a settlement with them a few years back that's still on my credit report. I have applied for credit with them in the fairly recent past (last fall) and got turned down. (Everyone else is happy to offer me credit despite that blemish, but Citi apparently is taking it personally.) So don't want to apply with Citi again until the settlement falls off next year.


You are overlooking the likelihood that Citi may have turned you down because of their own database, not because of the informations contained in the credit report.
So the settlement falling off the report won't make you better looking from Citi's angle.

Yeah, that's possible, but I won't know until it falls off, unless someone here can confirm they do engage in this practice. (But they've sent me "pre-approved" offers, which didn't go through, which I'd think wouldn't happen in that case.)

But it doesn't really matter why I can't get Citi at the moment. They're off the table regardless of the reason.

I have had my Royal Caribbean MBNA card for 3 years and they offer a .99% BT offer. Bank of America Credit card offered me a 0% for 9 months 3% BT fee and I had it for 6 years

Back in end of Oct/early Nov, received a nice offer for a personal card from Fifth Third - 0% on purchases/BTs for the first 12 billing cycles, with no-fee BTs for the first 90 days (otherwise 3.5% fee, $99 max). As a regional bank, Fifth Third is only available to residents in OH, MI, IL, FL, IN, PA, MO, KY, TN & WV. If you live in one of those states, and have received a similar offer (or receive one in the future), perhaps the notes from my recent application will be of some use to you:

- Applied on Fri, 11/30 (HHI: $60k; $150k+ in available CL reporting; requested a $16k BT with the app)

- Fifth Third is a late-puller. Here in IL, they pulled the traditional TU. If they had pulled in the order in which I filed my apps, they would have seen 0 inq. Instead, they pulled 4 days later(!) (2 business days) on 12/4, when TU had 2 inqs. (See also DJSpray's recent AOR for more evidence of late-pulling.)

- However, once Fifth Third pulled, they were extremely fast at processing the app. My first indication of approval came on 12/6 when a $14.9k BT posted to the target account (less than I had requested). I received the card on 12/8 with a $15k CL.

- Unfortunately, their online account interface, geared mainly toward banking, leaves much to be desired. After a 20 min wait on the phone on Sat, 12/8 to obtain a temporary password, I was told by the efficient, if over-worked CSR that I would have to go into a branch to obtain one. The teller at the branch was able to quickly issue me a temporary pin. After setting up online account access, I have yet to figure out how I can electronically pay the card on their site, to say nothing of requesting BTs, CL increases, etc. In the meantime, I was able to set up the account with both Fido's and ex-MBNA's billpay.

- It's possible that $15k is some kind of initial CL threshold. Given my specs, $15k is quite compatible with my other lines; but for someone like thisguy, $15k seems a bit low with a new issuer. If the database @ creditboards is to be trusted, someone reports receiving a $5k CLI with the pull of a second report after receiving an initial CL of $12.5k. I did notice an option on the phone menu for requesting a CL but did not explore further. [Edit: This post by beethovengirl indicates that her husband received a $25k CL on a pre-approved Fifth Third offer.]

beethovengirl said:sonnysighedup said:
- Fifth Third is a late-puller.
5/3 pulled the day my husband applied.
That's interesting. I had seen a couple of other people report that Fifth Third pulled late for them, so I took it as a trend. Apparently not. I take it your husband applied online? Nice going on the $25k CL, btw!

beethovengirl said:sonnysighedup said:- Unfortunately, their online account interface, geared mainly toward banking, leaves much to be desired. After a 20 min wait on the phone on Sat, 12/8 to obtain a temporary password, I was told by the efficient, if over-worked CSR that I would have to go into a branch to obtain one. The teller at the branch was able to quickly issue me a temporary pin.
When I set up my husband's account online, all I had to was input the CC # and the PIN # he'd gotten in the mail, so maybe they've changed their online set-up.

Is there any way to do a BT with 5/3 other than over-paying another account?
The online setup is still the same way. I just hadn't got my pin in the mail when I tried to setup account access.

I did get some 0% intro APR convenience checks in the mail a couple of weeks after receiving the card. In one sentence they claimed to be no-fee; in the next, it stated that there was a transaction fee of 3.5% (max, $99). I didn't call them to try and figure out the discrepancy. It was clear, however, that they could be used for either BTs or cash.

For all you quilters out there, look what I found:

National City Quilter's Reward Visa

Seems to have the same BT terms as the Lifespring offer. 0% for 12 months with no BT fee for the first 60 days. Has anyone reallocated/consolidated Nat City credit?

lhendricks92 said:For all you quilters out there, look what I found:

National City Quilter's Reward Visa

Seems to have the same BT terms as the Lifespring offer. 0% for 12 months with no BT fee for the first 60 days. Has anyone reallocated/consolidated Nat City credit?

Did it strike anyone else as funny that there's a disclosure about terrorist activity at the top of the Quilter's Reward disclosure? Yeah, you have to watch those darn quilting terrorists...they'll poke you with their quilting needles and then wrap you up in yarn...LOL.

2Cor521

If you apply for the Citi Upromise World Mastercard through the Upromise website, you get an offer of a 12 month balance transfer with NO fee. Apply for the same card through the Citibank website and there is a fee.

I recently applied through the Upromise site and was approved for a $11,500 line. Went to look at the balance transfer offer and the 12 month, 0% fee is there. Yes!