Best 0% transfer card right now?

[cpals]

What's the best 0% transfer credit card out right now, strictly for that reason to get debt off of high interest cards to start paying them down with no interest. The more the credit limit is and longer the rate the better.

I got one from Discover recently, but they never gave me the amount I requested so I'm looking for one more.

Thanks.

 

[bearxor]

Ditto for me. I just got a discover one and came up 1k short. Would like to get out of this 30% card I have.

 

[3NF]

Originally posted by: bearxor
Ditto for me. I just got a discover one and came up 1k short. Would like to get out of this 30% card I have.

30%!!! I didn't know such cards existed ...

 

[JoPh]

im looking for the same thing.. rossman?

 

[cpals]

Looks like a hot topic... I have another question though: I currently have a Citibank credit card with a decent amount charged to it and I just got a Citibank application in the mail for one of their other cards advertising 0% interest until 8/2008 on transfers and charges.

Can I do a transfer from a Citibank card to a Citibank card? Didn't know if that was allowed or not.

 

[alkemyst]

I think only if you are late then some states can go to 29.99%

 

[akshatp]

Originally posted by: cpals
Looks like a hot topic... I have another question though: I currently have a Citibank credit card with a decent amount charged to it and I just got a Citibank application in the mail for one of their other cards advertising 0% interest until 8/2008 on transfers and charges.

Can I do a transfer from a Citibank card to a Citibank card? Didn't know if that was allowed or not.

You wont be able to do a balance transfer from Citi to Citi... however you can apply for the card, do a balance transfer to your own checking account, and then pay off the 1st credit card.

 

[RossMAN]

Originally posted by: JoPh
im looking for the same thing.. rossman?

JoPH?

 

[puffff]

Originally posted by: RossMAN

Originally posted by: JoPh
im looking for the same thing.. rossman?

JoPH?

Rossman, looking at your sig, is there any difference between 'Professional' credit cards and personal/consumer credit cards? why the distinction?

 

[Yzzim]

I've been getting a ton of offers in my mailbox recently for 0% for 15 months from Chase. Not sure what the limit is, but it seems decent.

 

[cpals]

Originally posted by: akshatp

Originally posted by: cpals
Looks like a hot topic... I have another question though: I currently have a Citibank credit card with a decent amount charged to it and I just got a Citibank application in the mail for one of their other cards advertising 0% interest until 8/2008 on transfers and charges.

Can I do a transfer from a Citibank card to a Citibank card? Didn't know if that was allowed or not.

You wont be able to do a balance transfer from Citi to Citi... however you can apply for the card, do a balance transfer to your own checking account, and then pay off the 1st credit card.

You can do balance transfers to checking accounts? That doesn't count as the 'cash advance' where their fees are like 30%?

 

[jdini76]

Originally posted by: akshatp

Originally posted by: cpals
Looks like a hot topic... I have another question though: I currently have a Citibank credit card with a decent amount charged to it and I just got a Citibank application in the mail for one of their other cards advertising 0% interest until 8/2008 on transfers and charges.

Can I do a transfer from a Citibank card to a Citibank card? Didn't know if that was allowed or not.

You wont be able to do a balance transfer from Citi to Citi... however you can apply for the card, do a balance transfer to your own checking account, and then pay off the 1st credit card.

I got the same mailer, But when I read the fine print, I saw something to the effect that with transfers they add 3% to the total. Is this waved with the 0% apr or is that still in effect?

 

[AmpedSilence]

Originally posted by: cpals

Originally posted by: akshatp

Originally posted by: cpals
Looks like a hot topic... I have another question though: I currently have a Citibank credit card with a decent amount charged to it and I just got a Citibank application in the mail for one of their other cards advertising 0% interest until 8/2008 on transfers and charges.

Can I do a transfer from a Citibank card to a Citibank card? Didn't know if that was allowed or not.

You wont be able to do a balance transfer from Citi to Citi... however you can apply for the card, do a balance transfer to your own checking account, and then pay off the 1st credit card.

You can do balance transfers to checking accounts? That doesn't count as the 'cash advance' where their fees are like 30%?

No, if you use a no-fee convenience check it counts as just another "purchase" But every card is different...

 

[JoPh]

Originally posted by: RossMAN

Originally posted by: JoPh
im looking for the same thing.. rossman?

JoPH?

Well we all know you are CC person, figure youd know.

 

[torpid]

I just got one that is 0% for a year and then 9.9% after. I got tired of getting cards that were 0% and then 20%+ afterwards, because they become useless after I pay off the balance xfer. I think it was through bank of america, called the world points one.

The downside is the 3% charge. But I figure I'll save way more than that in a year.

I also have an amex blue that is 5% for the life of the balance...

 

[cpals]

Originally posted by: jdini76

Originally posted by: akshatp

Originally posted by: cpals
Looks like a hot topic... I have another question though: I currently have a Citibank credit card with a decent amount charged to it and I just got a Citibank application in the mail for one of their other cards advertising 0% interest until 8/2008 on transfers and charges.

Can I do a transfer from a Citibank card to a Citibank card? Didn't know if that was allowed or not.

You wont be able to do a balance transfer from Citi to Citi... however you can apply for the card, do a balance transfer to your own checking account, and then pay off the 1st credit card.

I got the same mailer, But when I read the fine print, I saw something to the effect that with transfers they add 3% to the total. Is this waved with the 0% apr or is that still in effect?

The 3% is in effect even for 0% transfers, but for high interest rate cards most of the time it is cheaper to pay the 3%.

 

[CZroe]

I just had to tell Bank of America to fvck off after they negotiated with me a rate drop of only 1% (from 24.x% to 23.x%). I paid the tranfer fee ($40) to transfer almost all of it to my Chase card at 0% and closed the BoA account exactly like I told them I would.

This refusal to negotiate comes only two months after I paid off nearly half the balance and had only a paultry $2,000 left on it. They should have listened to me or else they wouldn't have lost a customer... I liked having the card tied to my checking account to prevent overdrafts, but not when it goes on there as a 25% cash-advance that I can't pay without paying the entire balance at 20% interest. I was paying nearly $80 a month in interest. Screw that.

 

[cpals]

Originally posted by: CZroe
I just had to tell Bank of America to fvck off after they negotiated with me a rate drop of only 1% (from 24.x% to 23.x%). I paid the tranfer fee ($40) to transfer almost all of it to my Chase card at 0% and closed the BoA account exactly like I told them I would.

This refusal to negotiate comes only two months after I paid off nearly half the balance and had only a paultry $2,000 left on it. They should have listened to me or else they wouldn't have lost a customer... I liked having the card tied to my checking account to prevent overdrafts, but not when it goes on there as a 25% cash-advance that I can't pay without paying the entire balance at 20% interest. I was paying nearly $80 a month in interest. Screw that.

Why would you want a credit card used for overdraft protection? Just seems like an easy way to overdraw on your checking account. I've never had an overdraft since I watch closely what I spend.

 

[homercles337]

Originally posted by: 3NF

Originally posted by: bearxor
Ditto for me. I just got a discover one and came up 1k short. Would like to get out of this 30% card I have.

30%!!! I didn't know such cards existed ...

You can thank the current administration/congress for that one. Also, the tough bankruptcy laws too.

OPie, i get 0% offers every day. There is no best, there is just length. I go for the 18 month ones.

 

[homercles337]

Originally posted by: alkemyst
I think only if you are late then some states can go to 29.99%

All states. You can thank the current administration and congress (before recent elections) for that.

 

[CZroe]

Originally posted by: cpals

Originally posted by: CZroe
I just had to tell Bank of America to fvck off after they negotiated with me a rate drop of only 1% (from 24.x% to 23.x%). I paid the tranfer fee ($40) to transfer almost all of it to my Chase card at 0% and closed the BoA account exactly like I told them I would.

This refusal to negotiate comes only two months after I paid off nearly half the balance and had only a paultry $2,000 left on it. They should have listened to me or else they wouldn't have lost a customer... I liked having the card tied to my checking account to prevent overdrafts, but not when it goes on there as a 25% cash-advance that I can't pay without paying the entire balance at 20% interest. I was paying nearly $80 a month in interest. Screw that.

Why would you want a credit card used for overdraft protection? Just seems like an easy way to overdraw on your checking account. I've never had an overdraft since I watch closely what I spend.

Because otherwise Bank of America's overdraft policy raises the fee exponentially when it happens again. I guarantee you that I'd get a rate that's only a fraction of the ridiculous one if I just signed right back up again (still, bad for credit to cancel apply repreatedly).

 

[alejabrown]

Originally posted by: cpals
What's the best 0% transfer credit card out right now, strictly for that reason to get debt off of high interest cards to start paying them down with no interest. The more the credit limit is and longer the rate the better.


Check the 2nd, 3d, and 4th credit card from the top of the list on zero-rates.com. 0% for 12 months and no BT fees for the 0% BT promotions. If you are more interested in the life-of-the-balance offers, they are mostly at the bottom of the list.

 

[SagaLore]

Originally posted by: homercles337

Originally posted by: alkemyst
I think only if you are late then some states can go to 29.99%

All states. You can thank the current administration and congress (before recent elections) for that.

LOL! OMG The Republicans are forcing Americans to use high interest credit cards! Capitalism is failing! :roll:

 

[GoingUp]

I just got an offer in the mail from washington mutual for 0% interest until April 2009, free balance transfer in the first 90 days.