• filter:
  • 140414243 44
  • Page
  • Previous 40
  • Text Only
  • Search this Topic »
rated:
Logix will also do cash advances at 0% with no fee so you can have cash deposited in your Logix savings account and use it as you wish.

rated:
My experience is that the cash advance check that Logix sent me did NOT have to be made out to a specific company. They overnighted it to me via FexEd and I brought it to Wells Fargo to have it deposited into my checking account. WF took one day to approve it. I've used the funds unencumbered already.

rated:
Just an FYI for anyone in FL wanting to get a Logix card: They do not serve Florida at this time. Got immediate denial for the card during online application and a letter in the mail a few days later. Called and got the scoop. No FL accounts. They still checked my credit though, which I find dumb, but whatever.

rated:
It was made clear in the initial post that Logix CU is geographically limited. On the sign-up page to open new accounts the first question is: "Do you live in one of these states: AZ, CA, DC, MA, MD, ME, NH, NV, or VA? Perfect - that's exactly where we offer new accounts."

https://ws.loanspq.com/Consumer/login/default.aspx?enc2=CjDDGQgp6ViDEpMSQAmj1DUPwHo59nhuD_iAGWeSAuPfz1PUTnsXUpAcivhVJ2wc4Xp0YbtkxQUYzkPgbq8VPlIkBuVzuO-tF5 

rated:
I missed that. I didn't even consider that a bank would cover only certain areas, so wasn't looking for this.

rated:
Chuck101 said:   I missed that. I didn't even consider that a bank would cover only certain areas, so wasn't looking for this.
  Logix is a credit union.  Unlike banks, laws require credit unions to have a defined field of membership, which means you'll have to be a member of that group to access the credit union and its services. 

rated:
Gotcha. I think I have a similar deal in the works with my current credit union, which I recently switched all of my banking over to thanks to this forum. Great Lakes Credit Union. I am getting 3% interest with their super interest checking account and really happy with their service thus far.
https://www.glcu.org/

rated:
GLCU has a 0% 12 months BT offer for the first 60 days you have the card, but there is a 2% fee.

rated:
Exactly. Not too shabby.

rated:
I just noticed that my 'monthly' BT checks from my Chase (Amazon CC) is offering a 0% interest 12 months, for a 2% bt fee.
I know the days of No Fee are long done, but its nice to be looking at a 1% drop from the regular 3%.

Now I'm contemplating churning 15k for a new Savings Account bonus at Chase (via a third bank), but the $$ math is meagre) - still, may do it just for s&g since the new money needs to be in there for only 90 days.

Maybe I'll allocate to my federal student loan at their rapey 7.5% - up to the 2500 annual deductible max, of course!

So much paperwork, so little time...

rated:
vgwallet said:   
I know the days of No Fee are long done, but its nice to be looking at a 1% drop from the regular 3%.

 

Here are 7 cards which offer No Fee 0% balance transfers: http://www.magnifymoney.com/blog/balance-transfer/no-fee-balance... 

In addition, Navy Federal Credit Union regularly offers no fee 0% balance transfers to members, once or twice a year.

rated:
Does Chase Ink do BTs anymore for existing card holders? I have not seen an offer since 3/2014.

rated:
With Chase, I had a Chase Freedom (0 current balance) card that I thought I cancelled a year ago. I just signed up for a Slate card (Thanks Argyll) since this was a better deal than the Great Lakes deal I was working. Once I logged in for the first time to Chase's web site, they had my old Freedom card there as well as the new Slate card.
I called them and they closed the old Freedom card and transferred the available credit to the Slate card. This gets me exactly what I needed, as I have 7k that I need to transfer to a 0% card and get paid off. Maybe this will work for you Lobo of you sign up for a new card. Or call them.

rated:
Chase Ink is a business card. The personal cards like Freedom have BT offers every 5 seconds. You can't shred an offer from Freedom without another one instantly appearing in your mailbox, even on a Sunday.

Anybody seen a BT offer from an existing Chase Ink Business card lately?

rated:
Applied for the Logix card and received instant approval for $15k. I guess I'll wait for them to contact me to do the balance transfer.

rated:
Raiz said:   Applied for the Logix card and received instant approval for $15k. I guess I'll wait for them to contact me to do the balance transfer.
  Do it as soon as you get the card, because the date for the 0% offer starts when you get the card, not when you do the balance transfer.

rated:
Chase has a 0% transfer fee going on. I believe it's for 1 year, annual fee. Try that. I know my husband uses it. We transferred the debt over. It also has a 18 month no interest rate as well so it helped us tremendously. Hope that helps.

rated:
anyone have links to the newest 0-fee BT?

rated:
Finally applied to Logix and got approved for 15k CL as well. I was denied at first but asked for reconsideration. They approved as long as they made the checks payable to my credit cards (not to myself). I asked if I can do the BT later and they said yes. You have 60 days from the date of approval to begin the BT. So my 0% didn't start until about a month after I was approved.

BTW how do you guys schedule a payment for this card? The only option I see is to transfer from an external bank account. It's easier to do a bill pay from my external account.

rated:
 The 0% period starts from the date the account is opened, not the date you do the BT.  If you do a BT one month later then you get 11 months at 0%.

From Logix:  *0% APR Intro Rate: Purchases, credit cards balance transfer, and cash advances made during the first 90 days your account is open qualify for 0% APR for up to 12 months (specifically, for 365 days from the date your account is open). After the first 90 days, your rate on purchases and other transactions will accrue at your standard rate."

https://www.logixbanking.com/loans/credit-cards/platinum

rated:
Hello I'm wilson found out about this forum site while surfing the internet. I am interested in Banking and Finance discussions so please if you need my help do not hesitate and I may need your help as well in the coming days. Thanks for accepting me!

rated:
Argyll said:    The 0% period starts from the date the account is opened, not the date you do the BT.  If you do a BT one month later then you get 11 months at 0%.

From Logix:  *0% APR Intro Rate: Purchases, credit cards balance transfer, and cash advances made during the first 90 days your account is open qualify for 0% APR for up to 12 months (specifically, for 365 days from the date your account is open). After the first 90 days, your rate on purchases and other transactions will accrue at your standard rate."

https://www.logixbanking.com/loans/credit-cards/platinum

I was approved in May and did the BT in June. My 0% APR ends on June 22, 2016. I think they delayed the opening date of my account for me.

7/14 Update: After I completed my balance transfers, they sent me balanace transfer checks too. So I can still potentially write a check to myself if I wanted to.

rated:
matrix5k said:   
Argyll said:    The 0% period starts from the date the account is opened, not the date you do the BT.  If you do a BT one month later then you get 11 months at 0%.

From Logix:  *0% APR Intro Rate: Purchases, credit cards balance transfer, and cash advances made during the first 90 days your account is open qualify for 0% APR for up to 12 months (specifically, for 365 days from the date your account is open). After the first 90 days, your rate on purchases and other transactions will accrue at your standard rate."

https://www.logixbanking.com/loans/credit-cards/platinum

  I was approved in May and did the BT in June. My 0% APR ends on June 22, 2016. I think they delayed the opening date of my account for me.

  Good work.

rated:
matrix5k said:   
Argyll said:    The 0% period starts from the date the account is opened, not the date you do the BT.  If you do a BT one month later then you get 11 months at 0%.

From Logix:  *0% APR Intro Rate: Purchases, credit cards balance transfer, and cash advances made during the first 90 days your account is open qualify for 0% APR for up to 12 months (specifically, for 365 days from the date your account is open). After the first 90 days, your rate on purchases and other transactions will accrue at your standard rate."

https://www.logixbanking.com/loans/credit-cards/platinum

  I was approved in May and did the BT in June. My 0% APR ends on June 22, 2016. I think they delayed the opening date of my account for me.

  Good for you bro.
 

rated:
A balance transfer could help you save money on your existing credit card debt. It can also help you pay down your credit card debt faster. Just pay close attention to terms and balance transfer fees before applying, and remember that balance transfer credit cards generally require a good to excellent credit rating for approval.

rated:
I enjoyed reading this discussion. 0% interest or lower than it is always interesting for all credit card holders. This will save a lot for our money. I loved it. However, finding a credit card that really benefit is not easy. Many things must be considered so that a credit card would be beneficial for us. Not the opposite, ensnare our necks.

rated:
Hi

my credit has gone down recently because I forgot to make some payments on my student loans (just graduated so it was my first payments, and they mailed to wrong address).
As a result, i'm not sure if I can be approved for balance transfer credit cards.

Which of these good cards can be used for BT if you have a low credit score?

rated:
seunghwane2 said:   Hi

my credit has gone down recently because I forgot to make some payments on my student loans (just graduated so it was my first payments, and they mailed to wrong address).
As a result, i'm not sure if I can be approved for balance transfer credit cards.

Which of these good cards can be used for BT if you have a low credit score?


You should be able to call your loan servicer and work it out. Unless your loans are with Sallie Mae/Navient. If your loans are with Sallie Mae/ Navient, you can save time on the phone by kicking yourself in the butt and spitting straight up in the air so that the spit hits you in the face.

Either way, fight it. If they don't agree to fix it on the phone you can dispute it on your credit report.

rated:
ElLobo11 said:   
seunghwane2 said:   Hi

my credit has gone down recently because I forgot to make some payments on my student loans (just graduated so it was my first payments, and they mailed to wrong address).
As a result, i'm not sure if I can be approved for balance transfer credit cards.

Which of these good cards can be used for BT if you have a low credit score?


You should be able to call your loan servicer and work it out. Unless your loans are with Sallie Mae/Navient. If your loans are with Sallie Mae/ Navient, you can save time on the phone by kicking yourself in the butt and spitting straight up in the air so that the spit hits you in the face.

Either way, fight it. If they don't agree to fix it on the phone you can dispute it on your credit report.

  I do have one with Sallie Mae/Navient and I have another with Citi.
I called Citi up about dispute and they told me to mail their credit department.
This messed up both my and my guarantor's credit so I would really like to repair it with at least Citi.
How hard is it to dispute your credit report?

rated:
seunghwane2;19140909 said:
ElLobo11;19140895 said:
seunghwane2;19140846 said:Hi

my credit has gone down recently because I forgot to make some payments on my student loans (just graduated so it was my first payments, and they mailed to wrong address).
As a result, i'm not sure if I can be approved for balance transfer credit cards.

Which of these good cards can be used for BT if you have a low credit score?


You should be able to call your loan servicer and work it out. Unless your loans are with Sallie Mae/Navient. If your loans are with Sallie Mae/ Navient, you can save time on the phone by kicking yourself in the butt and spitting straight up in the air so that the spit hits you in the face.

Either way, fight it. If they don't agree to fix it on the phone you can dispute it on your credit report.

  I do have one with Sallie Mae/Navient and I have another with Citi.
I called Citi up about dispute and they told me to mail their credit department.
This messed up both my and my guarantor's credit so I would really like to repair it with at least Citi.
How hard is it to dispute your credit report?


Disputing your credit report is easy compared to getting a good BT card with bad credit.

Try Citi on the phone again. It's really a game of roulette with these call centers. Explain the situation, offer to enroll in autopay if they fix it. If you have to write a letter, write a letter.

Try the same with Navient.

To dispute your credit report, just look at the websites for each of the 3 main credit bureaus: Experian, Transunion, and Equifax. If they say you need credit reports first, you can get them at annualcreditreport.com.

rated:
Does anyone have history with Alliant Credit Union? What are typical credit limits they offer to new members. Read: If I request for more than they give me, will I burn another HP?

rated:
Just got a targeted offer from NFCU. New "cash rewards" card 0% for 15 months and NO FEE (exp. August 31st). As good as it gets so keep your eyes open.

rated:
If you are worried about forgetting to pay monthly bills and fines, you can use an automatic monthly bill payments so as to avoid forgetting to pay. This is a very helpful way. In fact, you'll get Cash Back from the use of this method. So, there are two advantages that you can get from this way. You are free from the possibility of penalties late in paying the bill and get additional Cash Back. Although the numbers are small. Thank you.

rated:
topic, i was approved for 15k with alliant as a new member

rated:
Nice. What was the process like? Did you have to jump through a lot of hoops?

rated:
I never seen a crappy credit union like Alliant credit union. They wanted last 2 year's tax returns, pay stubs, utility bills, license copy, etc...just for a credit card because Alliant credit union treat credit card as a loan and I will not suggest anyone to waste time with these idiotic stupid fools....

rated:
smkrishna said:   I never seen a crappy credit union like Alliant credit union. They wanted last 2 year's tax returns, pay stubs, utility bills, license copy, etc...just for a credit card because Alliant credit union treat credit card as a loan and I will not suggest anyone to waste time with these idiotic stupid fools....
 All credit unions are going to want a full application, copy of license, proof that you are in their field of membership, etc., etc. It's pretty consistent, and that's just what you have to deal with if you want to go with a credit union. The potential benefit is lower rates on credit cards, for people who might periodically carry a balance. I have several credit union credit cards, with the lowest at 5.75% interest (regular rate, not a promo), that I use for liquidity from time to time. I'd suggest that everyone have a couple of cards or lines of credit like this, to avoid selling stocks for liquidity bumps. That means dealing with the typical credit union processes. For me, it's definitely worth it.

rated:
Not all credit unions go through this process. I have account/credit cards in Hanscom credit union and other credit unions in GA and FL. I never went through this process before.

rated:
smkrishna said:   Not all credit unions go through this process. I have account/credit cards in Hanscom credit union and other credit unions in GA and FL. I never went through this process before.
  It may have more to do with your current credit score than anything else.  Something in your credit report may have alarmed them, or you are confusing joining the credit union with getting a card, two separate things.    I have a credit card with Alliant I got sometime after joining and I did not have to send in anything at all.  

Also, all banks and credit unions look at credit cards as loans.

  • Quick Reply:  Have something quick to contribute? Just reply below and you're done! hide Quick Reply
     
    Click here for full-featured reply.


Disclaimer: By providing links to other sites, FatWallet.com does not guarantee, approve or endorse the information or products available at these sites, nor does a link indicate any association with or endorsement by the linked site to FatWallet.com.

Thanks for visiting FatWallet.com. Join for free to remove this ad.

TRUSTe online privacy certification

While FatWallet makes every effort to post correct information, offers are subject to change without notice.
Some exclusions may apply based upon merchant policies.
© 1999-2015