Latest responses to “0% Interest Credit Cards (No Fee Credit Cards)” Copyright 2013, MoneyBlueBook.com 392970 2011-01-08T19:43:21-08:00 Joy I want to know if you should cancel credit cards after paying them off. I had a 0% interest on an American Express and paid it off a couple of years ago. I have not used it since then. Should I keep this account open or should I cancel this card? Thanks for your input. 392930 2010-11-23T11:30:31-08:00 Terrie I recommend looking at credit unions. Often their fees are much lower thant he big banks, and some have zero transfer fees. Also, they actually treat you as a person when you walk in or call, not just a number! 392950 2010-09-12T06:32:14-07:00 Ton Press Hi, What a great list. I am always on the look for top lists, and your list is great starting point. Lists are very useful. I found your blog from bing. Really cool article. Will visit again. Thanks 392500 2010-08-11T14:08:41-07:00 Cassandra I just went through the process of signing up with Discover for a card, by clicking through a balance transfer website, and applied for the card, completed the balance transfer information requested, and was approved online quickly, with instructions to call them to verify the final information. Upon doing that, I found they had offered me a credit limit of less than half of my transfer (and I have excellent credit, and my transfer request was less than 5 digits by a longshot). When I queried if that was on top of my transfer, the rep told me that there was no transfer in my application. I then cancelled the card, but am very unhappy as the whole thing feels like a scam! I also really don't appreciate opening and immediately closing the account as it doesn't look good. Is this legal? 392740 2010-07-23T03:47:36-07:00 KJS I'm astounded to see how many people have experienced the same bait & switch deal from Capital One that I received. This has to be illegal. Didn't the administration recently crack down on credit card companies? We have to do more than just post in forums; we must contact our representatives, the Federal Trade Commission, Better Business Bureau etc. All have online sites. If the feds get enough complaints, perhaps there will be an investigation into these criminal practices. FTC's helplne: 1-877-FTC-HELP (1-877-382-4357); 392920 2010-07-20T21:50:34-07:00 Tanya Discover offered a loan - not a balance transfer card - but a loan - no fee - interest rate 7.99 to 18.99 which is lower than the credit card debt - good deal or not? No penalty for early paying it off. I would pay off the high interest card and have lower monthly payments - and be paying off more principle - not just mostly interest. 392960 2010-07-07T19:23:19-07:00 david anyone find balance transfer card with no fee? I am looking to transfer balance and it doesnt have to be 0%. I will be okay with anything below 3% but no fee. 392900 2010-06-26T13:58:41-07:00 Joe Rags Tonya, i would call around for a better offer...don't go with 5%...and go for at least 12mos, so you don't have to pay another trf fee when your 0% offer is up. I notice that the credit card companies are starting to give good deals again, and make lots of offers....i just got a offer from USAA for no balance trf fee on a zero percent 12mos rate. 392890 2010-06-26T01:50:26-07:00 Tip Citi has offered me 0 APR until Sept 2011 with a 3% trans fee. No annual fee. I'd keep looking, Tanya. 392880 2010-06-25T14:53:09-07:00 John I have been getting the Commerce Bank offers recently as well. 12 months at 0% for both transfers and purchases, roughly 14% after that. No balance transfer fee. credit limit from $1000-$15,000. One caveat to Commerce is that the monthly minimum payments are 3% of the balance, so you need to be able to make good sized payments to this card. I'm pretty sure there is no annual fee. I am planning to take this offer in the next month or two.