Neidman said: 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.
ucfzf10 said: 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.
Just got that one too - State Farm 0% through Jan 2013 on BTs. Requires an invitation number or mailing number.
Also got Chase Slate with Blueprint- 0% APR until Oct 1, 2012. 0 BT fee for the first 30 days, 3% after the first 30 days. Also requires invitation number.
Got another good one from Chase. Slate Visa - 0% APR on purchases & BT through Feb 2013. No fees on BTs done during first 30 days. I was just waiting to get the 2nd Chase AARP app for household. Now, I might have to do the Slate & AARP together.
Hoping to get some offers in soon, but thanks for the heads up. I tried that one lifehacker tip on haggling with customer rep before agreeing to a CC, and they shot me down faster than Han did Greedo. So just patiently waiting.
Annual Percentage Rate (APR) For Purchases 0% intro APR for 15 months from the date of account opening.
After the intro APR expires, your APR will be 11.99% to 19.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 0% intro APR for 15 months from date of first transfer, for transfers under this offer that post to your account by January 10, 2012.
Fees Set-up and Maintenance Fees •Annual Fee None
Transaction Fees •Balance Transfer Intro fee of $0 for transfers that post to your account by 1/10/2012 with the 0% intro APR balance transfer offer described above After that, either $0 or 3% of the amount of each transfer, whichever is greater.
APR for Balance Transfers 0% intro APR for 15 months from date of first transfer, for transfers under this offer that post to your account by January 10, 2012.
...
Thanks for the heads up. When I click the link, the webpage shows:
3% Intro Balance Transfer Fee for each balance transferred until 1/10/2012
Click "View rates, fees, rewards, limitations and other Important Information." For me, it then specifies:
•Balance Transfer Intro fee of $0 for transfers that post to your account by 1/10/2012 with the 0% intro APR balance transfer offer described above After that, either $0 or 3% of the amount of each transfer, whichever is greater.
pisistratus said: mungbai said: Discover has a 0, 0 for 15 months. I responded to a targeted 0, 0 for 12 months only to see the 0, 0 for 15 on the website!
APR for Balance Transfers 0% intro APR for 15 months from date of first transfer, for transfers under this offer that post to your account by January 10, 2012.
...
Thanks for the heads up. When I click the link, the webpage shows:
3% Intro Balance Transfer Fee for each balance transferred until 1/10/2012
mungbai said: Click "View rates, fees, rewards, limitations and other Important Information." For me, it then specifies:
•Balance Transfer Intro fee of $0 for transfers that post to your account by 1/10/2012 with the 0% intro APR balance transfer offer described above After that, either $0 or 3% of the amount of each transfer, whichever is greater.
for current cardholders....short of cancelling the current card and reapplying (thus hurting credit report with lower ave account age), is anyone going to try and get this offer for their current card?
ucfzf10 said: Got another good one from Chase. Slate Visa - 0% APR on purchases & BT through Feb 2013. No fees on BTs done during first 30 days. I was just waiting to get the 2nd Chase AARP app for household. Now, I might have to do the Slate & AARP together. Was this targetted?
ColbyS said: ucfzf10 said: Got another good one from Chase. Slate Visa - 0% APR on purchases & BT through Feb 2013. No fees on BTs done during first 30 days. I was just waiting to get the 2nd Chase AARP app for household. Now, I might have to do the Slate & AARP together. Was this targetted?
If not do you have a link?
I can't seem to find it.
Sorry, this is targetted. Got this via mail with a specific invitation ID.
solarUS said: mungbai said: Click "View rates, fees, rewards, limitations and other Important Information." For me, it then specifies:
•Balance Transfer Intro fee of $0 for transfers that post to your account by 1/10/2012 with the 0% intro APR balance transfer offer described above After that, either $0 or 3% of the amount of each transfer, whichever is greater.
for current cardholders....short of cancelling the current card and reapplying (thus hurting credit report with lower ave account age), is anyone going to try and get this offer for their current card?
Appears to be gone now.. shows a 3% fee associated with the offer when you click on the app.
PaulNEPats said: solarUS said: mungbai said: Click "View rates, fees, rewards, limitations and other Important Information." For me, it then specifies:
•Balance Transfer Intro fee of $0 for transfers that post to your account by 1/10/2012 with the 0% intro APR balance transfer offer described above After that, either $0 or 3% of the amount of each transfer, whichever is greater.
for current cardholders....short of cancelling the current card and reapplying (thus hurting credit report with lower ave account age), is anyone going to try and get this offer for their current card?
Appears to be gone now.. shows a 3% fee associated with the offer when you click on the app.
Let me see if I understand this. We sign up for credit card for 0% balance transfers for ~12 months. We write a check to ourselves and invest the balance transfer into ,for example, a money market account and after 12 months of gaining interest we pay off the credit card. Am I sort of getting it? Lets say a credit card has a balance transfer fee of 4%. Would that mean I would have to try to invest the money in something that yields 4% interest to break even? Nothing out there right now gives 4% interest. How is it we make money off these offers?
Randonium8 said: Let me see if I understand this. We sign up for credit card for 0% balance transfers for ~12 months. We write a check to ourselves and invest the balance transfer into ,for example, a money market account and after 12 months of gaining interest we pay off the credit card. Am I sort of getting it? Lets say a credit card has a balance transfer fee of 4%. Would that mean I would have to try to invest the money in something that yields 4% interest to break even? Nothing out there right now gives 4% interest. How is it we make money off these offers?
Simple economics, if you can not earn more money by "whatever means" to cover the fee, then it's not worth it.
I don't know how often it exists these days, but people try to wait for 0% fee and/or a cap on the BT fee. These might be a way of the past but it also might be targeted.
Just got the targeted 15 months, 0, 0 from Discover in the mail. So if you guys got the first one I mentioned in the mail, wait for the second one. Disappointed I didn't.
I have also been getting a bunch of Discover 12 0 0 offers, but I do not like the 11.99 hangover, but I just got a random
5.99 fixed for life on balance transfers (with a 3% up front fee) 0% on purchases for 12 months and a specific "no penalty apr clause for the fixed rate balance transfers" (I have never seen this before, and I have read lots of these agreements)
somehow this sounds like 2008, but I have 8k at 9.75% and 12k at 7.64% variable so this sounds like it might be a good deal over time. ?
I did the Discover Card 12,0,0 about ten months ago... and though it's paid down considerably, we've also put some on it, since it was 0% on purchases as well. Time to find a new 12,0,0 card. Great thread.
Credit Level Excellent Credit Card Type Visa Rewards 1.25 miles per dollar on every purchase
One-time bonus of 10,000 miles once you spend $1,000 in the first 3 months Purchase APR 0% intro APR until November 2012; 11.9%–19.9% variable APR after that Transfer Info 11.9%–19.9% variable APR; No Transfer Fee Annual Fee $0 Additional Rates & Disclosures
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