A Credit Card question...

[PHiuR]

I signed up for a Chase Visa credit card around July 2006 for 0% for 12 months. I thought my 0% ended this July. I called the company and talked to the CSR, she said that my 0% ends on Novemeber 2007. Is this normal for a credit card company to offer a 0% APR for more than 12 months? I'm weary because I'm carrying a rather large sum on the card and don't want to get hit with the 8% or more APR.

thanks.

I have this card

 

[George P Burdell]

Is this 0% APR for balance transfers or regular purchases?

 

[BigJ]

I know I've seen various offers for up to 6, 12, and 18 months 0% APR. So if the offer started in May, you would have 18 months from May. So if you didn't sign up for the CC until August, you wouldn't get the full 18 months.

 

[PHiuR]

Regular purchases. I was thinking of transfering this balance to a new card if the 0% was ending in 2 months...but it seems like I might have a few extra months.

 

[kami333]

It depends on the card, 6/12/18months is fairly standard but they sometimes end on a certain date no matter when you signed up or don't start until you make your first purchase/balance transfer. And they sometimes move the date back if you call to cancel. Call again and confirm if you are worried.

 

[pcslookout]

Does this mean for regular purchases as well? 0.00% for 12 months from the date of the first balance transfer.

 

[PHiuR]

I just called and double checked. It is until Novemeber. I asked the CSR and she said I did start the account in August and it's usually 0% for 12 months, but for some reason it's until Novemeber. She said I could fax in a statement if the 0% APR isn't the right date, I said nope, no thanks. 😀