8/30/07: I have updated the list of credit cards sorted by savings due to a BT from a card with high APR (18%) to a low APR.

bizcut9 said:Question:
Sorry, not sure if this has been answered previously, but can you pay off a credit card balance with another card from the same company, more specifically Citibank (they appear to have the best deals with no transfer fees). I tried unsuccessfully to do this with Discover.

And if not, would paying off the Citi card and then opening another Citi card with a BT promo and having them send you a check (if they still do this - like with an Apporama) for the amount paid off essentially work as a transfer from one Citibank card to another?

1. No

2. Yes

You usually cannot transfer from one card to another card with the same company. If they allow you to write a check to yourself or deposit it in your account, you should be fine.

I just completed a Mini-AOR and got among others, an AMEX in:nyc and an AMEX blue cash. is there any way to utilized the AMEX blue cash's 0% APR for 12 mos and launder is as a BT?

lhendricks92 said:Here's a US Bank phone application offer.

0%, 12 months, no BT fees (if requested with application). Offer expires September 30th.

I called US Bank about this offer yesterday. CSR told me the offer is still "in their system" and valid. He said they usually stick around for a month after the expiration date. YMMV.

lhendricks92 said:lhendricks92 said:Here's a US Bank phone application offer.

0%, 12 months, no BT fees (if requested with application). Offer expires September 30th.

I called US Bank about this offer yesterday. CSR told me the offer is still "in their system" and valid. He said they usually stick around for a month after the expiration date. YMMV.

How did you get the CSR to find this particular offer? I looked at the pdf you linked and coudn't find a specific code or anything to link it with that offer???

lhendricks92 said:
Mention the phone number extension from the offer.

I did that and it worked for me. No problems at all.

labear said:wca53 said:lhendricks92 said:Here's a US Bank phone application offer.

0%, 12 months, no BT fees (if requested with application). Offer expires September 30th.

I just call , the rep on the phone say they will pull all 3 CB, So I decide to pass that.

I applied for a similar mailed, targeted US Bank offer and, with a 720 TU WAMU Fako, only got a $7k limit. There is also a $40 annual fee that is waived if a purchase is made within 12 months of account opening. Since the purchase rate is high, I will have to remember to make the purchase during the last month of the 0% BT period. Unless things have changed drastically at US Bank since I left, you should be able to get the annual fee waived no problem. Just call in and say you didn't know about the purchase requirement, or forgot about it, or something like that. If your account is in good standing the CSR should be able to waive the fee immediately. I only worked there for like 4 months, but I waived so many fees it makes my head spin. Every other call was someone whining about a late fee, overlimit fee, annual fee, and/or interest charges. I think in four months there were maybe two fees I wasn't authorized to waive (because they'd had a bunch waived already) and I think both of those ended up being waived by a supervisor anyway. However, I don't think you'll ever get a second annual fee waived, so you'd best close the account after the promo's over. Not that you'd ever want to use any US Bank cards for anything but promo offers...

Applied for Citi mtvu card at Sept, approved. However, just found out(called) the 0% B/T has expired at Oct, being active for just one month. Now I have 6.99 for B/T. Is anyone in the same boat?

markber said:11/21/07 update:
I have updated the list of credit cards sorted by the profit/savings due to a BT from a card with high APR (18%) to a low APR.

Your effort and list are incredible!!! Thanks for posting and keeping this info fresh!!!

Regards.

Got an offer in the mail today for a chase business platinum card with up to 15 mos 0%. Not sure if this is a differing offer from the 12 mos, or if this is the "new" offer.