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Citibank Dividend and Platinum Select cards-No upper limit to 3% BT fees as of 2/1/07. May apply to ALL Citi cards Archived From: Finance

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alert mods    
   posted: Oct. 30, 2006 @ 11:33a

could soneone please tell me what BT is.
thank you


alert mods    
   posted: Oct. 30, 2006 @ 11:39a

dev77 said:could soneone please tell me what BT is.
thank youbalance transfer


alert mods    
   posted: Oct. 30, 2006 @ 12:37p

got a Citi Shell BT offer with 4% BT fee up to $90. If I can get my CL up to $100k the $90 fee would be negligible. =)


alert mods    
   posted: Oct. 30, 2006 @ 2:21p

i got mine today exact same message for all 3 different cards.... great another reason i wanna get away from citi


alert mods    
   posted: Oct. 30, 2006 @ 2:52p

dev77 said:could soneone please tell me what BT is.
thank you


You have been here since 2003?


alert mods    
   posted: Oct. 30, 2006 @ 3:15p

dev77 said:could soneone please tell me what BT is.
thank you
It's code for a Butt Tickle at AMP


alert mods    
   posted: Oct. 30, 2006 @ 11:50p

Dividend

MillionairesNextDoor said:
Silicon, which card was this on if I may ask?


alert mods    
   posted: Oct. 31, 2006 @ 10:05a

I recommend anyone who plans on wanting a zero fee BT next year to apply for a Citi card now, THIS CARD has zero fee, 12 month BT clock starts after you request the first BT so technically you could apply for this, let it sit for 11-1/2 months and then start a 12 month BT.


alert mods    
   posted: Oct. 31, 2006 @ 10:52a

thanks... that's awesome!


alert mods    
   posted: Oct. 31, 2006 @ 1:53p

Got one today! Am gonna quit using the BT option with Citi card now!


alert mods    
   posted: Oct. 31, 2006 @ 2:18p

siriusoracle said:Got one today! Am gonna quit using the BT option with Citi card now! A far better strategy is to get a couple new Citi cards that have NO BT fee and 0% for "12 months from date of first transfer".

Reallocate most of your credit line to ONE of the cards, use it for next 12 months for no fee BTs. Then about 12 months from now, reallocate the credit line to ther OTHER new Citi card and start using that 12 month no fee BT.

It is possible to lockin 24 months of no fee BTs with Citi right NOW.


alert mods    
   posted: Nov. 1, 2006 @ 10:54a

But the offers/terms can change ANYTIME with proper notice. Looks like the end of free/low interest money for now. Which might be a good thing economy-wise overall.

SUCKISSTAPLES said:siriusoracle said:Got one today! Am gonna quit using the BT option with Citi card now! A far better strategy is to get a couple new Citi cards that have NO BT fee and 0% for "12 months from date of first transfer".

Reallocate most of your credit line to ONE of the cards, use it for next 12 months for no fee BTs. Then about 12 months from now, reallocate the credit line to ther OTHER new Citi card and start using that 12 month no fee BT.

It is possible to lockin 24 months of no fee BTs with Citi right NOW.


alert mods    
   posted: Nov. 1, 2006 @ 11:03a

Yes, regardless of what fat-walleters wish the easy easy money is drying up. Grab it while you can.


alert mods    
   posted: Nov. 1, 2006 @ 11:35a

Got the notice for my CITI DIVIDEND card.


alert mods    
   posted: Nov. 1, 2006 @ 12:23p

Same here for a Dividend Platinum Select. Just another reason to dump you citi cards!


alert mods    
   posted: Nov. 1, 2006 @ 2:42p

Looks like you can "opt-out" and keep your existing terms until end of membership year, or expiration date on card, whichever is later.

Only downfall is account closes when that period hits.

Just got the notice for my diamond preferred card.


alert mods    
   posted: Nov. 1, 2006 @ 2:44p

borisnotthespider said:But the offers/terms can change ANYTIME with proper notice. Looks like the end of free/low interest money for now. Which might be a good thing economy-wise overall.NO...a creditor CANNOT change an opening promo midstream, you are entitled to the opening promo. Perhaps you did not understand my post, if you get 2 new Citi cards with the 0% /no fees intro promo, they are required to honor that.


alert mods    
   posted: Nov. 1, 2006 @ 2:48p

I'm counting on what you say SIS, but realistically what would happen if they didn't honor the 12month BT terms? Say I go to apply for a BT in 11-1/2 month and they say "your fee will be 3%"?


alert mods    
   posted: Nov. 1, 2006 @ 2:56p

They cannot change the terms of an intro promo. They made an offer for specific promo if you apply and you accepted it.

yes creditors can change terms on open ended accounts, but they cannot change terms of a promo midstream. Otherwise they would take all of us who are using 0% deals and say "effective next month, no more 0%, its 24%".

And if you do get a notice of change in terms, they always give you an option to refuse the change.


alert mods    
   posted: Nov. 1, 2006 @ 3:17p


I was holding off on Citi's 0% for life offer until my credit report was shiny. That particular offer says apply by 12/15/06 for the $75 max BT fee. That particular offer should stay at $75 max all the way to 12/15/06? Or should I apply now to beat the $250 max fee coming on 11/17?

 


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