PaigeB said: Discover with no fee? I've never heard of a no fee Discover card. I've been beseiged by Discover offers but they're all 4% BT fees.
Yes, I was surprised also. I get 3-4 discover offers in the mail each month with BT fees and I just shred them. This was the first one I've seen with no BT fee. No annual fee also, btw. It's a 1% rewards card with 5% targeted categories.
Wow slim pickings out there right now... not sure if I should just go with the penfed offer for 4.99% for life... I've already done the linux fund card, have the discover more card and did Barclays rec reward... Am I missing one worthwhile? I miss the 12 month+ 0 fee 0% offers ... sniffle
I checked Barclays Priceline and it seems to be alive with $50 max fee within the first 30 days. I didn't check all the others, but all of 12 months ones have no cap. I might try the Priceline one.
cameron2003 said: Just got the Harvard card. Likely my last balance transfer ever. I just needed a little to tide me over for a few months, and this is perfect. Got a $10,000 credit line, and reallocated another $10,000 from my I Fly America card. Now I have $20,000 for 6 months at 0% with no fee. Whoopie!
I'm assuming one has to be a Harvard grad to apply for this card?
PaigeB said: cameron2003 said: Just got the Harvard card. Likely my last balance transfer ever. I just needed a little to tide me over for a few months, and this is perfect. Got a $10,000 credit line, and reallocated another $10,000 from my I Fly America card. Now I have $20,000 for 6 months at 0% with no fee. Whoopie!
I'm assuming one has to be a Harvard grad to apply for this card?Probably not. I'm pretty sure there are hundreds of non-dentists that have ADA cards. www.harvardcard.com
GyuDaddy said: I checked Barclays Priceline and it seems to be alive with $50 max fee within the first 30 days. I didn't check all the others, but all of 12 months ones have no cap. I might try the Priceline one.
Could you please point me to the $50 max fee term? It seems to me the Priceline barclays card is also no cap now.
chenkeyi said: GyuDaddy said: I checked Barclays Priceline and it seems to be alive with $50 max fee within the first 30 days. I didn't check all the others, but all of 12 months ones have no cap. I might try the Priceline one.
Could you please point me to the $50 max fee term? It seems to me the Priceline barclays card is also no cap now.
Either $10 or 4% of the amount of each transfer, whichever is greater. (During the first nine billing cycles after account opening, either $10 or 3% of each transfer, whichever is greater; the maximum fee per transfer: $50, after that no maximum).
Got a letter advertising NO BT FEE if you transfer within the first 30 days (otherwise 3%). There is an invitation number but you might be able to still work something out with a CSR. Otherwise keep your eye out for this in the mail.
Just rec'd another 12 month 0% BT offer with a 3% fee capped at $100 from Barclays Coast to Coast Signature Visa. I've had the card for a little over a year & recently paid off a prior 12 month 0% BT promo. I see a similar 12 month offer on their site for people who don't yet have the card; however, the 3% BT fee is not capped at $100, so YMMV.
Also, just today rec'd an 11 month 0% BT offer with no fee from USAA Mastercard. It's nice that these kind of BT offers are coming back.
This is good news. My Barclays Coast to Coast 0% for 1 year offer is coming to an end in a few months. Will be paying that off soon. Hopefully I'll get the same off you did.
any current offers? i know NO BT fee cards are scarce. whats the best card to get if i need to do a BT within the next month as my old card promo expires?
Does anyone have experience with two balance transfers on the same card, but with different expiration dates?
I've got one card with one balance expiring in a few months and was considering doing another balance transfer to the same card, which would expire in 18 months. When the first balance expires, I'd like to balance transfer it out to another card, but I don't know how that payment will be applied against both balances. Will it be split at a percentage equal to the balance ratio? For example, say balance 1 = 2000 and balance 2 = 2000. At the end of balance 1's rate expiration, I make a $2000 payment, would I end up with balance 1 = 1000 and balance 2 = 1000? Obviously I'd like balance 1 = 0 and balance 2 = 2000, but I suspect it wouldn't go down that way.
I know if the rates were different, the payment would be applied to the higher rate after the min payment, but in this case, the rate is the same.
turtlebug said: Just rec'd another 12 month 0% BT offer with a 3% fee capped at $100 from Barclays Coast to Coast Signature Visa. I've had the card for a little over a year & recently paid off a prior 12 month 0% BT promo. I see a similar 12 month offer on their site for people who don't yet have the card; however, the 3% BT fee is not capped at $100, so YMMV.
Also, just today rec'd an 11 month 0% BT offer with no fee from USAA Mastercard. It's nice that these kind of BT offers are coming back.
wow nice. 0% and no fee is very rare. do u have the link for the card?
fatnorm99 said: Does anyone have experience with two balance transfers on the same card, but with different expiration dates?
I've got one card with one balance expiring in a few months and was considering doing another balance transfer to the same card, which would expire in 18 months. When the first balance expires, I'd like to balance transfer it out to another card, but I don't know how that payment will be applied against both balances. Will it be split at a percentage equal to the balance ratio? For example, say balance 1 = 2000 and balance 2 = 2000. At the end of balance 1's rate expiration, I make a $2000 payment, would I end up with balance 1 = 1000 and balance 2 = 1000? Obviously I'd like balance 1 = 0 and balance 2 = 2000, but I suspect it wouldn't go down that way.
I know if the rates were different, the payment would be applied to the higher rate after the min payment, but in this case, the rate is the same.
Thanks in advance, hope this isn't too off topic.
Based on the new CARD Act passed earlier this year, CC issuers are to apply payments made (in excess of the minimum payment due and current interest) to the balances with the HIGHEST interest rate. Therefore, in your example, if you have bal 1 = 2000 that is at 0% and expires say Aug 15 and will go to 13.99% interest, and bal 2 = 2000 that is at 0% and doesn't expire until next year, then lets say after Aug 15th you make a $2000 payment, then after the min payment (~$40 if it is 2%), then the other $1960 is applied to bal 1 @ 13.99%. This would still leave you with about $40 sitting at 13.99% and $2000 @ 0%. So, if it were me, I would make your payment for maybe $2100, just to be absolutely sure. Again, this is how it is SUPPOSED to be, but you may want to call the CC issuer just to confirm, but I would expect it will be this way. Hope that helps, and let us know how it goes...
I think the piece of your example and mine that is a mystery to me is what happens just after the rate expiration date in terms of finance charges. Continuing with your example, if my balance 1 rate expires on August 15th, am I assessed finance charges at my normal rate (15% lets say) on August 16th? I've always re-transferred or paid off in advance of the rate expiration date.
I understand the rest of your example and it makes sense that my additional payment would be applied to the higher rate after the transfer rate expiration, but just unsure about whether a finance charge is assessed at that same time where I would be able to apply the additional payment. Kind of a catch 22 and hopefully it doesn't work that way. Ideally there would be some grace period, like with new purchases, where that balance is now subject to the normal rate, but I have 23-30 days to pay it off. I suppose I should really call them, but I feel like they wouldn't know.
Usually people pay of 0% BTs before interest starts being charged. If you try to do that here, they could apply it to the second BT rather than the first. To make this work, you would need to wait until you are actually charged interest to make the payment.
I think the piece of your example and mine that is a mystery to me is what happens just after the rate expiration date in terms of finance charges. Continuing with your example, if my balance 1 rate expires on August 15th, am I assessed finance charges at my normal rate (15% lets say) on August 16th? I've always re-transferred or paid off in advance of the rate expiration date.
I understand the rest of your example and it makes sense that my additional payment would be applied to the higher rate after the transfer rate expiration, but just unsure about whether a finance charge is assessed at that same time where I would be able to apply the additional payment. Kind of a catch 22 and hopefully it doesn't work that way. Ideally there would be some grace period, like with new purchases, where that balance is now subject to the normal rate, but I have 23-30 days to pay it off. I suppose I should really call them, but I feel like they wouldn't know.
I agree, I think calling them will for sure get you a clear answer. However, in response to your example, most CC don't give a balance transfer balance any grace when the 0% expires. However, the rate is of course an annual percentage rate, and most CCs compute interest on a daily periodic rate. Essentially that means you pay interest day by day. So, lets say you have even 10K sitting on the BT that expires to 15% on the 15th. Well if you then make this payment on the 17th, well, 2 days worth of interest is only about ~$8, and that is on $10K. Hope that helps.
I was wondering about the same thing as fatnorm99. My first BT offer was 0% $0 fee and now I have a new offer on the same card, 0% rate and 1% fee. The second BT would expire 3 months after the first. I think if it were 0% fee for my second offer, I'd do it and just pay them both off simultaneously.. but not worth the hassle of getting charged interest after a 1% fee.
fatnorm99 said: Does anyone have experience with two balance transfers on the same card, but with different expiration dates?
I've got one card with one balance expiring in a few months and was considering doing another balance transfer to the same card, which would expire in 18 months. When the first balance expires, I'd like to balance transfer it out to another card, but I don't know how that payment will be applied against both balances. Will it be split at a percentage equal to the balance ratio? For example, say balance 1 = 2000 and balance 2 = 2000. At the end of balance 1's rate expiration, I make a $2000 payment, would I end up with balance 1 = 1000 and balance 2 = 1000? Obviously I'd like balance 1 = 0 and balance 2 = 2000, but I suspect it wouldn't go down that way.
I know if the rates were different, the payment would be applied to the higher rate after the min payment, but in this case, the rate is the same.
Seems like more of these are turning up again. Got a 0% for 12 months with 1% fee from Chase and the same day I received a 0% for 12 months with 0 fee from my Barclays Coast to Coast Visa. The Barclays also had an automatic credit limit increase when using one of the enclosed checks.
Matr0skin said: Got a coupon today for Citi Platimun Select Mastercard 0% purchase/BT APR for 21mo, BT fee is 3% $75 statement credit after $75 in purchases
Matr0skin said: Got a coupon today for Citi Platimun Select Mastercard 0% purchase/BT APR for 21mo, BT fee is 3% $75 statement credit after $75 in purchases
srtrooper said: Matr0skin said: Got a coupon today for Citi Platimun Select Mastercard 0% purchase/BT APR for 21mo, BT fee is 3% $75 statement credit after $75 in purchases
Matr0skin said: srtrooper said: Matr0skin said: Got a coupon today for Citi Platimun Select Mastercard 0% purchase/BT APR for 21mo, BT fee is 3% $75 statement credit after $75 in purchases
You would have to get the card, then make the purchase and pay it off before the BT. Other wise you will get stuck carrying that purchase the entire 21 months, with interest if they are charging that. The offer did not say what your normal interest will be. Tricky little item they threw in.
blair222 said: You would have to get the card, then make the purchase and pay it off before the BT. Other wise you will get stuck carrying that purchase the entire 21 months, with interest if they are charging that. The offer did not say what your normal interest will be. Tricky little item they threw in.
As I understand it this is no longer the case, that under the new laws the credit card company has to apply any payment above the minimum to the HIGHEST interest balance.
Targeted - State Farm Rewards Visa. Just got offer by mail.0% APR on purchases & BT through last day of 16th billing cycle from account opening. BT fee is 3% with max of $250. This card also gives 2% bonus in State Farm Dollars for State Farm insurance payments in the first 12 months.
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