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portugal said:   There is a 0% BT for 12 months and no BT fee at Patelco Credit Union.
https://www.patelco.org/Loans-And-Credit/Credit-Cards/Platinum/#...

 

  
Nice find.

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I think American express and Visa debit card are best choice for transfer money safely and fast to other. You should try this!!

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data point: patelco 0% no fee BT limited to $5,000 credit limit out of state. only after 1st year, will credit limit be considered for raising.

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rismoney said:   data point: patelco 0% no fee BT limited to $5,000 credit limit out of state. only after 1st year, will credit limit be considered for raising.
  Did you get approved? If so what kind of FICO scores did you have, and do you know which credit bureau report they pulled? I'm just wondering; if anybody has relevant info I'd love to hear it.

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got approved. asked for 25k. fico is 797. was told by phone rep, if not in CU svc area (I was planning to make CAFE-Y $10 donation) max for year 1 is 5k. i don't know which bureau they pulled, don't feel like calling back. they also need a lot of info, drivers license, paystub, proof of address (util bill) and SS card faxed or emailed. guessing its not worth my time.  Was hoping for 15k+ to move debt around.  This is good, but clearly not hassle free.

on a side note i am getting 1% BT offers for 15k weekly from slate card and 2% from freedom. 
HTH

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rismoney said:   got approved. asked for 25k. fico is 797. was told by phone rep, if not in CU svc area (I was planning to make CAFE-Y $10 donation) max for year 1 is 5k. i don't know which bureau they pulled, don't feel like calling back. they also need a lot of info, drivers license, paystub, proof of address (util bill) and SS card faxed or emailed. guessing its not worth my time.  Was hoping for 15k+ to move debt around.  This is good, but clearly not hassle free.

on a side note i am getting 1% BT offers for 15k weekly from slate card and 2% from freedom. 
HTH

  
HUCA

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I asked Patelco for $12k they offered it to me contingent on paystubs (no other docs). No fee 0%BT. I am in their service area.
They also offered to expand their CL, if I describe my other CC balances/rates. They said my credit score is 716.

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Should I transfer my AMEX balance to the Chase card I already have or get a new card? If I use the card I already have (Chase Freedom), I get 0% for 12 months with a 2% fee. With one of these other cards, I could do better, like 0% for 12 months with no fee, but I'd be opening a new account. My FICO is around 730.

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gearhead said:   Should I transfer my AMEX balance to the Chase card I already have or get a new card? If I use the card I already have (Chase Freedom), I get 0% for 12 months with a 2% fee. With one of these other cards, I could do better, like 0% for 12 months with no fee, but I'd be opening a new account. My FICO is around 730.
  Join creditkarma.com and they have a tool where you can plug in various scenarios and see how it will affect your score.  What they offer isn't exactly your FICO but it's close enough especially at no charge.

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Very very helpful!!! Thanks

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Not sure if this is a regular offer or not but Chase Slate is offering:

  1. 0% Introductory APR for 15 months on purchases and balance transfers. After the introductory period ends, a variable APR of 12.99%, 17.99%, or 22.99%.
  2. $0 introductory balance transfer fee for transfers made during the first 60 days. After that, the fee for future balance transfers is 3% of the amount transferred with a minimum of $5.
  3. $0 Annual Fee

https://applynow.chase.com/FlexAppWeb/renderApp.do?SPID=FB8G&CEL...

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Can I successfully apply to these cards as a graduate student with 0 income? I am looking for about 8K in credit limit until I graduate and pay off my debt.

I have about 11 years of credit history and 700+ credit score but currently have 0 income. Any balance transfer card that is recommended for someone in my situation?

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rza1 said:   Can I successfully apply to these cards as a graduate student with 0 income? I am looking for about 8K in credit limit until I graduate and pay off my debt.

I have about 11 years of credit history and 700+ credit score but currently have 0 income. Any balance transfer card that is recommended for someone in my situation?
  

It doesn't hurt to try. This is basically how I got my first credit card, they came to campus and were giving away free stuff if you signed up. I put $0 as income, figured they would decline me and next thing I know my card is in the mail. Now whether you'll be able to get a good deal like the Chase Slate, I'm not sure but you have a strong credit score so there's a chance.

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Are these all international rates or specifically for the US?

Jeff

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I think Slate is what you want

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Really nice and helpful information...

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chrisfleming said:   I think American express and Visa debit card are best choice for transfer money safely and fast to other. You should try this!!
  
How?

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It seems like all the credit union offers for 0% balance transfers have dried up all of a sudden, now that I'm actively looking for one. I have about $11000 left - I've been paying off for several years. Please keep your eyes open for any new offers. Thanks!

I'm not in the Patelco service area, so I'm only eligible for a $5000 line from them, so that won't help me too much. If no decent credit union offer shows up soon, I'll go with the Chase Slate offer in October. Right now, most of my balance is on a PenFed card with a lifetime interest rate of 4.99%, so that's not too bad, but lower would be better.

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searchlight said:   It seems like all the credit union offers for 0% balance transfers have dried up all of a sudden, now that I'm actively looking for one. I have about $11000 left - I've been paying off for several years. Please keep your eyes open for any new offers. Thanks!

I'm not in the Patelco service area, so I'm only eligible for a $5000 line from them, so that won't help me too much. If no decent credit union offer shows up soon, I'll go with the Chase Slate offer in October. Right now, most of my balance is on a PenFed card with a lifetime interest rate of 4.99%, so that's not too bad, but lower would be better.

  Credit line has nothing to do with location or "service area." 

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Except for Patelco, apparently, according to recent posts in this thread...

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searchlight said:   Except for Patelco...
  It's been SEVERAL years ago for me... I'm not in their service area but got a nice $30K CL right out of the gates... 

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Data Point:

771 FICO, 10k + CLs on major CCs. Got instantly approved for Slate at 12.99% APR with a 5500 CL. I reconned. Chase has a policy of taking a hard pull for all requests for credit, even though I just applied for the card moments earlier. Requested 15k, couldn't get a decision, got escalated to another analyst who approved. Two pulls total. 

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topic said:   Data Point:

771 FICO, 10k + CLs on major CCs. Got instantly approved for Slate at 12.99% APR with a 5500 CL. I reconned. Chase has a policy of taking a hard pull for all requests for credit, even though I just applied for the card moments earlier. Requested 15k, couldn't get a decision, got escalated to another analyst who approved. Two pulls total. 

  Did you get 5500 or 15K?

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15,000

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topic said:   Data Point:

771 FICO, 10k + CLs on major CCs. Got instantly approved for Slate at 12.99% APR with a 5500 CL. I reconned. Chase has a policy of taking a hard pull for all requests for credit, even though I just applied for the card moments earlier. Requested 15k, couldn't get a decision, got escalated to another analyst who approved. Two pulls total. 

  I currently have the Slate card and received BT checks @ 0.00 APR until 2015 BUT with 2% fee. My CL is 20K, can these checks be deposited and treated as BT as opposed to cash advances?

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Courtesy checks can be deposited to you checking account. Not sure if it'll be BT/CashAdvance/or regulate purchase. If you're planning on paying it off before the promo period is over it won't matter, otherwise check with Chase. The 2% fee is the best I've seen from the courtesy checks I receive in the mail.

As an aside, I asked if the introductory no APR, no fee BTs can be direct deposited to a checking account. Chase said not in the first 90 days. There it'll be still 0% APR but with a 2-4% fee.

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