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Possibly Dying -- Citibank ADA Mastercard 0% 12 month no fee BT in: Subjects › Credit

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This is a Citi co-branded card. As far as I can tell, there is no other reason to use this card other than the no fee BT, since the rewards programs aren't particularly interesting. There are two versions of this card -- travel rewards & platinum. I do not think one needs to be a dentist to apply.

It has the proper verbiage:
"Balance transfer APR: As long as first balance transfer is completed within 12 months from date of account opening, 0.00% for 12 months from date of first balance transfer."

And more importantly ...
"However, there is no fee with the 0.00% APR balance transfer offer described above."

ADA Mastercard

Edit: There is a 10K points sign up bonus for $150 in spending on the travel card. This is equivalent to a $100 GC.
Edit 3/13/09: Offer may be dying. 10K points bonus seems to have been swapped with something far less favorable.

Message edited by: kintro on 2009-03-13 16:31:13 CDT

To reallocate CL, call 800-541-2836, the phone line goes to Credit Department, which is same as 800-288-4653, there is another number which goes to same deparment 800-472-2068

Still alive https://www.accountonline.com/ACQ/Apply?app=UNSOL&sc=FPWDW235&m=9ADA9U5Q60W&langId=EN&siteId=ADACARD&B=A

People who are having trouble logging into their account created at the time of application, try to register again. There you can add your bank account for bill pay and activate the card too.

Register your card for rewards at ADA Travel Rewards

To consolidated your Citicard to the ADA card Call this number: 888-293-6670. Thanks slomo007

Relevant stuff:
1. No need to provide ADA membership number. Leave blank.
2. Independent online access through citibank's accountonline.com -- cannot link ADA card to main citi cc accounts.
3. BT checks can be requested directly from accountonline (just like any "normal" citi BT). Or, wait for balance transfer kit through snail mail. Also see MikeR397's thread for detailed discussion on BT -> Checking techniques.
4. On scoring up sign up bonus with travel card: spend $150, pay in full, collect 10K bonus points, wait for balance to zero, THEN do BT.
5. Application status phone check extremely useful thread. 800-848-1852 or 800 637 3116 (per xyxyxy and pitflyer, thx)
6. Anti-dentites need not apply!
7. Take screenshots/printouts of relevant T&C in case Citibank tries to give you grief.
8. Credit line reallocation generally considered difficult from "regular" citi card to co-brand or 0% BT card. YMMV
9. Frequently mentioned dead deal for another citi co-branded card --> Associated Card


Important T&C as previously highlighted on QS by ShakuniMama (thx!)
1. The 0% APR does not apply to Purchases or Cash Advances
2. If you have previously responded to a Citibank no pre-set spending product in the past 60 days, we will be unable to process this request.
3. Balance transfer fee: 3% of the amount of each balance transfer, $5 minimum, $75 maximum. However, there is no fee with the 0.00% APR balance transfer offer described above.

Balance Transfer FAQs
Need help? Here are the answers to our most Frequently Asked Questions, or call 1-877-351-2484 24/7 for further assistance.

What is a balance transfer?
A balance transfer is a great way to consolidate your bills and make managing your finances easier. You can pay your other creditors and consolidate your debt into one convenient monthly statement. Most of our balance transfer offers also allow you to use the funds for yourself.

Why should I transfer balances?
Balance transfers can simplify your expenses by consolidating your debt to one convenient monthly statement. Some balance transfer offers may have special promotional APRs (Annual Percentage Rate) that may also save you interest. So you may save time and money!

Who can I pay with a balance transfer?
You can pay any creditor you wish. The only exception is that you cannot use your balance transfer to pay other accounts issued by Citibank (South Dakota), NA. or its affiliates (this includes CHOICE® and AT&T Universal Card). With some offers, you may also get money for yourself with the flexibility of having a check sent to you by mail or deposited directly into your checking account so you can use the money however you wish.

How long will it take to process my balance transfer request?
It can take up to 7-10 days to process a balance transfer request. This does not include any mailing time if your request cannot be sent electronically. You can check the balance transfer status page in Account Online to see when your balance transfer was approved. We will also send you a separate notification regarding the status of your balance transfer request. The amount of the balance transfer will be added to the purchase balance on your statement.

How many balance transfers can I request?
You can request up to 4 balance transfers.

Can I transfer a balance that is not in my name?
Yes, you can. You choose who you want to pay.

How much can I transfer?
Most balance transfer offers allow you to transfer any amount, including balance transfer fees, up to your
available credit line. Please note that you should not transfer any disputed amount, as you may lose your dispute rights.

What information is necessary to process a balance transfer?
We need the creditor's name, payment address, account number (if there is one) and the amount you want to transfer (subject to your available credit and any balance transfer fees). If you are using the balance transfer for yourself, we will send a check to you at your account address. Or, if you qualify, we may deposit the money directly into your checking account.

Is there a fee for transferring a balance?
Some balance transfer offers have a fee. If there is one, it will be clearly stated in the offer. Check the box labeled BALANCE TRANSFER FEE to see if there is a fee for that offer.

What if I change my mind once I request a balance transfer?
Once you have accepted the offer, entered the required information and verified it is correct, the balance transfer request will be processed and cannot be canceled.

When are finance charges accessed?
Finance charges are assessed as soon as transactions post to your account, which can be as early as today.

Should I continue to pay my creditor even after I have requested a balance transfer?
Yes. Because a transfer may not pay off an account before you have a payment due, continue making minimum payments until the account(s) are paid for in full.

How do I determine the status of my balance transfer request?
You can view the status in Account Online. Requests will be displayed within 1 business day.

Will I receive notification of the status of my balance transfer request?
You will be notified within 7-10 days. If you have an email address on record in Account Online, you may receive an email notification.

What will happen if I do not complete my balance transfer request?
Incomplete requests can't be saved or processed. You will need to start over if you leave before receiving a balance transfer confirmation.

Message edited by: ShakuniMama on 2009-10-12 11:29:43 CDT
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These have become few and far between lately, no? Might be a good one for the wife....


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very interesting, I thought no fee balance transfers had disappeared. anybody gotten this card? what's the catch? what credit score do you need to qualify?


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wow great find. thanks.


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$75 maximum charge for the BT. Not bad!
Terms and Conditions


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EdithPiaf said:$75 maximum charge for the BT. Not bad!
Terms and Conditions

Quoted from the Terms: "However, there is no fee with the 0.00% APR balance transfer offer described above."


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NICE! In this credit situation, that's awesome.


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It does ask for you ADA membership number, but I left it blank. I hope that doesn't kill the deal for me. I have an introductory 2.9% that will end next month.

kintro said:This is a Citi co-branded card. As far as I can tell, there is no other reason to use this card other than the no fee BT, since the rewards programs aren't particularly interesting. There are two versions of this card -- travel rewards & platinum. I do not think one needs to be a dentist to apply.

It has the proper verbiage:
"Balance transfer APR: As long as first balance transfer is completed within 12 months from date of account opening, 0.00% for 12 months from date of first balance transfer."

And more importantly ...
"However, there is no fee with the 0.00% APR balance transfer offer described above."

ADA Mastercard

Edit: There is a 10K points sign up bonus for $150 in spending on the travel card. This is equivalent to a $100 GC.


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Green for OP.

Too bad residents of Puerto Rico are not eligible. Jodete, Citibank!


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Applied with only the required fields (stuff marked with a *)

"ADA® World MasterCard®

Confirmation

Thank you! Your application for the ADA® World MasterCard® has been received. When our review is complete, we will contact you via U.S.mail regarding our decision.

In order to protect the privacy of your information, please take a moment to ensure your cache is cleared. Find how to clear your cache."


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Thanks, OP. Hope it lasts until my AOR 2 in a few weeks.


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bogalusa said:Thanks, OP. Hope it lasts until my AOR 2 in a few weeks.what else are you applying for?


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Thanks op.


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thanks op


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Wow, this is really good. Just like the Associated Bank Card.

Message edited by: NYCSportsResearcher on 2009-01-14 21:24:31 CST
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What are some CLs people are getting with this? Also, can you have a check cut instead of regular BT to another card for no fee?


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Any luck in transferring Citi credit lines onto this card for the BT offer? I'm suspicious of applying for this card, fearing low limits.


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Citi s-canned reallocations to cards with 0% promos. Unless that changed within the last month, you are stuck. I got a very good limit for my Associated Bank card though.


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kintro said:There is a 10K points sign up bonus for $150 in spending on the travel card. This is equivalent to a $100 GC.

So if you use this card to get the sign up bonus and do the balance transfer, won't you end up paying interest on the whole amount?

The 0% APR does not apply to Purchases or Cash Advances

Message edited by: ShakuniMama on 2009-01-15 09:22:28 CST
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