BOA 0% for 12 Months for existing customers - YMMV

BofA typically has a host of BT offers available on accounts, in addition to any that show online. Just just have to call and ask.

Let us know how that cap request goes.

Having just paid off my $20k 0% BT from 11 months ago, today I decided to call and ask them whether I could get it extended for another 12 months. They had nothing for me, only some Golden LOC or something.

Echoing what Glitch99 said, they also told me that their offers change each week. You can be that I'll keep calling for at least a few weeks.

I've asked them to limit the cap for me before and they wouldn't do it.

If you have to pay a 3% fee it completely defeats the purpose of doing BT arbitrage since you'd have to make at least 3% on the money just to break even BEFORE taxes.

Just get the BOA Platinum Plus card and reallocate your lines toward that to do a No fee BT @ 0%.

Internguy said: If you have to pay a 3% fee it completely defeats the purpose of doing BT arbitrage since you'd have to make at least 3% on the money just to break even BEFORE taxes.

Just get the BOA Platinum Plus card and reallocate your lines toward that to do a No fee BT @ 0%.
I don't see how this is going to work, as the terms and conditions of the Platinum Plus Visa Credit Card state:

• 0% Introductory APR for the first 12 statement Closing Dates following the opening of your account for all Balance Transfers, Check Cash Advances, and Direct Deposits.

• Standard Balance Transfer Fee: 3% of each such transaction (minimum $10). See 5 below for explanation. Note 5: We include Transaction Fees when computing finance charges. Incurring Transaction Fees results in an APR exceeding 0% for the billing statement on which those fees appear. The Daily Periodic Rate (DPR) will remain 0% as disclosed.

good luck on getting that fee capped, they wont do it in most cases. good luck getting them to move avail credit around to a card with a no fee 0% bt offer, many issuers are not letting you do that either anymore. have fun.

1.9% till May w/ no cap.

jlgrandam said: I was able to get BofA to move credit lines to a card with a 0% offer.

I just got off the phone with them. They would let me move some money around (both my cards are about 20K). So I moved 15K from one to the other and I was going to BT 32K, but they wouldn't cap the fee. I told them I'd get back to them. The offer is good (for me) until Nov 3.

I'll call back Monday and see if I have better luck. Can't hurt to try.

Edit:

Has ANYONE had luck getting them to cap their fees lately?

no BT fee from BOA thats BS
BMRisko said: 0% w/ no BT fee...

It's no longer 12 months, but my NEA (National Education Association) Visa has had a 0% BT APY, 2% fee, min $2, max $30 for quite some time. It shows as good on balances through the statement closing date in July 2009.

Edit: 10/8/08 - It's gone now, replaced by a Plat Plus MasterCard 0% APR BT offer with 3% uncapped BT fee.

0%, no BT fee card

https://offers.bankofamerica.com/ConsumerCard/MNCOffer.aspx?sc=FAATCY&lang=en_US&cc=OTS

I got this from another FW thread.

vrock said: 0%, no BT fee card

https://offers.bankofamerica.com/ConsumerCard/MNCOffer.aspx?sc=FAATCY&lang=en_US&cc=OTS

I got this from another FW thread.Thanks, but I think we're talking about existing cards.

I just got my new World Points card in the mail to replace one that's expiring. I called the # on the front to activate, and then pressed 1 to hear about special balance transfer offers just for me...

2.99% until June '09, $75 capped fee. I asked if that's the best offer they had available, and he said yes. I told him that wasn't good enough for me to transfer any funds to this card, and I got the hard sell of what a great deal I was getting with the capped fee of $75. I politely told him again thanks but no thanks.

I'll check back next week to see if the offer has changed.

I have a 12 month 0% offer, but its 3% uncapped.

I called them, and they did not offer to cap it. The counteroffer was 3.99% for 12 months capped at $99.

I have four cards, two had 0% offers,3% fee no cap for a year from now. Thanks OP

7.9% w/ no cap
0.0% w/ no cap

I found out about this yesterday when I received all new credit cards from them to replace my old cards. They switched my visa to an AMEX rewards card and my mastercard to a visa. When I called to find out what was going on thats when the customer service rep gave me all the good news. I got upgraded to a single rewards system for both cards and that I had 0% BT on both cards. But when he told me what my transaction fee was, I declined. Then he made it sweeter by removing the fees on one card and capping the other at 99. Then he started the process to transfer the funds directly to my checking account and all my credit limits jumped by about 30%.
I ended up getting 40k for $99 and putting it all in a stock account. Thats the first time any of my credit cards would do that.
Also with the boosted credit limits it really didn't make a big dent in my utilization.

I think BOA is feeling it's oats because now it knows its to big to fail.

The USairways Visa from BofA has no BT fee.

Mine shows 0% BT thru 6/09, 4% fee capped at $90