I was wondering if anyone could help with my situation:

I need the money and was offered BT 3% fee, max of $75 at 4.99 until paid in full.

I got this letter too that says "the change will be effective for all billing periods on or after April 3, 2007". According to my Account Summary, my next statement due date is 4/6/07.

If I make the BT (today), would the no max limit apply to me anyway? If so, is it wise for me to make a call and tell them I would like to opt out? (my card expires 3/31/2010, which would essentially be making it a 3 year loan at 5% + $75 BT fee).

Feedback is really appreciated. Thanks.

I see, thank you for clarifying. You're basically saying that the "no max fee" is non-issue and won't apply to me because the offer I recieved is actually considered a promo and not a regular BT. (But I should try to do this before 4/3 or else it's possible it might change).

Thank you again.

LustfortheMoment said:Look at the coupons in your Sunday paper. Last week, the Boston Globe had an ad for a Citi Diamond Preferred Card with 0% x 12months without a BT fee.

--- there is no sign that these offers are going to dry up soon ---

I got that notice too

Little question to whom? The 0% deals have been going away for years now, and I'm having no problem finding 0% no fee offers for my upcoming AOR. Well except for the problem of deciding which 20 to go for. IMO they're more plentiful, and for longer terms than ever.

Prentiss said:I cancelled my only Citibank card. Glad I did because Chase is MUCH BETTER, in fact the Chase rebate program was higher than the existing Citibank card with premium card (Signature or World, my choice) and PAYPASS.

Citibank was lowered to 2% and so I cancelled the card. It was useless. Chase is a higher 3% rebate card.

Chase rocks over Citibank, no comparision for the CC division IMHO.

I used to dislike Chase but now Chase has gotten to be really good.


get ready chase is doing the exact same thing, it was set into motion about 5 months ago.

dudetheobscure said:WalStMonky said:Little question to whom? The 0% deals have been going away for years now, and I'm having no problem finding 0% no fee offers for my upcoming AOR. Well except for the problem of deciding which 20 to go for. IMO they're more plentiful, and for longer terms than ever.

As mentioned, they may still be around for newbies like you planning some kind of "mega-AOR", just withering up for current customers.

Yeah, that would be me, Mr. Newbie, lol. I won't hold my breath dude.

I thought this was april fools - then 8 letters in two days! Aw geez, this sux - I was holding out on two BT's with citi that are 12 from the start date and no fee. I wonder if that offer will stick.