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Disappointed that HSA rate hasn't been moved for so long. Need to figure out what to do with the money there.

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olegos said:   Disappointed that HSA rate hasn't been moved for so long. Need to figure out what to do with the money there.
Post if you find anything!

I opened up a HSA at Alliant because most places had a fee.

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Good HSA rates atConnexus Credit Union
$15,000 and over 2.00%
$5,000 to $14,999.99 1.50%
$2,500 to $4,999.99 1.00%
$500 to 2,499.99 1.00%


rated:
Argyll said:   
CowbellMaster said:   Anyone else use their $0 fee 0% BT visa? I've loved this card, not a cent of fees. Wondering why this rare $0 fee card isn't getting more attention on FWF.
0% is possible for new cardholders only. It's a one-time thing. Also, it is "Rate as low as 0% APR on purchases and balance transfers for the first 12 months." It depends on your credit score. Some have found after applying they will only offer 4.99%. For existing cardholders, Alliant almost always has an offer of a 4.99% BT with no fee but you have to call to find out.

Some years ago I got a $25,000 line (the maximum then allowed I was told) on a Platinum Rewards card. I used it for the first year at 0% interest, and then left it unused.

I have decided I would like a 0%, 0% fee balance transfer to avoid selling appreciated securities. If I close this, and wait a month or so does anyone know if I would qualify to get a new card and get this offer again (plus possibly one for spending a certain amount).

An alternative might be to apply for the Platinum Card, a different card, and then try to transfer the existing line to it. Any guess as to whether I would get the $0% offer for new card holders?

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ProfessorEd said:    Some years ago I got a $25,000 line (the maximum then allowed I was told) on a Platinum Rewards card. I used it for the first year at 0% interest, and then left it unused.

I have decided I would like a 0%, 0% fee balance transfer to avoid selling appreciated securities. If I close this, and wait a month or so does anyone know if I would qualify to get a new card and get this offer again (plus possibly one for spending a certain amount).

An alternative might be to apply for the Platinum Card, a different card, and then try to transfer the existing line to it. Any guess as to whether I would get the $0% offer for new card holders?

Alliant will tell you.

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ProfessorEd said:   
If I close this, and wait a month or so does anyone know if I would qualify to get a new card and get this offer again (plus possibly one for spending a certain amount).



Sorry. I don't have the answer to your question. I can offer this opinion, which is no more than that:

From what I'm able to remember, banks (and credit unions) require a respectable amount of time to pass, following closure of (whatever) card, before reapplication is looked upon favorably. My gut tells me six months minimum, but likely a year is closer to reality.

You obviously could try after only a month. But that might subject you to a quick denial, or to awkward questions, or both.

rated:
shinobi1 said:   
ProfessorEd said:   
If I close this, and wait a month or so does anyone know if I would qualify to get a new card and get this offer again (plus possibly one for spending a certain amount).



Sorry. I don't have the answer to your question. I can offer this opinion, which is no more than that:

From what I'm able to remember, banks (and credit unions) require a respectable amount of time to pass, following closure of (whatever) card, before reapplication is looked upon favorably. My gut tells me six months minimum, but likely a year is closer to reality.

You obviously could try after only a month. But that might subject you to a quick denial, or to awkward questions, or both.

There is no need for guesswork. I asked Alliant how long an account must be closed before one can open a new account which is eligible for balance transfer promotions. As of today, it is six months.

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