Lifetime Balance Transfer Offers?

That's two minimum purchases right?
Any minimum amount, or can I charge $0.01 twice per month?

MikeR397 said: Other than targeted, the only one I know of is the Discover More card with CODE: "PLDA". You must call in to give this code and apply over the phone. I was approved for a 0% for life offer. However the catch is after 12 months you have to make two minimum payments each month to keep the 0% BT, and of course you can't pay off the purchases until the entire BT is paid back, so each month you get a buck in finance charges even if you only make $1 purchases.

EDIT: Another offer: Citi 0% for life

indianajones47150 said: That's two minimum purchases right?
Any minimum amount, or can I charge $0.01 twice per month?

MikeR397 said: Other than targeted, the only one I know of is the Discover More card with CODE: "PLDA". You must call in to give this code and apply over the phone. I was approved for a 0% for life offer. However the catch is after 12 months you have to make two minimum payments each month to keep the 0% BT, and of course you can't pay off the purchases until the entire BT is paid back, so each month you get a buck in finance charges even if you only make $1 purchases.

EDIT: Another offer: Citi 0% for life
Yes, I meant purchases (not payments). I corrected this in my original post and removed the Citi link as it is expired .

indianajones47150 said: Thanks, I'll call Discover and give it a try.
Post back here if you are successful with that code. I used it on June 4th, and my dad may do a mini AoR and it would be of interest as he could likely get a big limit with them.

The code is still good

Plus, Discover is not known for generous credit lines.

jackstone said: Just applied for this card with this code, it worked, I got $8000 limit... trying to BT some private student loans. Don't have my exact credit score but its flawless for a single male in his 20s w/ a professional job and a $35 K limit on another card.

Any idea how good of an initial credit limit this is? I have no idea but I generally hear that Discover is more conservative than other creditors.

people are not here to stroke your ego. in fact, they'll probably do the opposite.
why do you want to know how good of an initial credit line this is? you already think your credit score is flawless. so?

rigor said: how bout 3.9% or less with 1%+interest payment?

i could go for 1.9% for life with fee and 1% min payment+int
or 2.9%

Any ideas?

The only other one I know out there is the Advanta Life-Of-Balance Card.

I DID have another question about discover BT offers: is the increase to a 4% minimum payment for ALL BT offers, or only the 0% offers?

If it's only on the 0% offers, then using code FFBC here will get you 3.9% until June 2011.

rigor said: how bout 3.9% or less with 1%+interest payment?

i could go for 1.9% for life with fee and 1% min payment+int
or 2.9%

Any ideas?

I think AMEX clear is still 3.99 for life

Sorry, I'm new here, but I'm not exactly clear on which is the best way to get a low interest rate on balance transfers for a long period of time. Like jackstone, I'm a single male in my 20s with a professional job, and I also have some high interest rate student loans that I'd like to BT to lower rates for life (or at least for a good number of years). Can someone lay out what might be the best option or list some pros and cons?

I don't exactly understand the "two minimum purchases" catch on the Discover card - you can make two purchases per month of, say, 25 cents, and you'll have to pay a $1 finance charge each month because you can't pay them off until you pay off the entire balance? That doesn't sound like such a bad deal to me. Also, once you pay off the entire balance, can you make another 0% transfer, or would you have to apply for a new card?