Comments on: 0% Balance Transfer Credit Cards (No Fee) http://www.moneybluebook.com/0-balance-transfer-credit-cards-no-fee/ Personal Finance Beyond Credit Cards and Balance Transfers Sun, 12 Oct 2008 19:16:38 +0000 http://wordpress.org/?v=2.6.2 By: socal http://www.moneybluebook.com/0-balance-transfer-credit-cards-no-fee/#comment-32376 socal Sun, 28 Sep 2008 18:03:14 +0000 http://www.moneybluebook.com/credit-cards-that-offer-zero-percent-balance-transfers-with-no-fees/#comment-32376 B. Steer - can you provide a link to Cap One offer you mentioned? I called and they don't have such a thing. B. Steer - can you provide a link to Cap One offer you mentioned? I called and they don’t have such a thing.

]]> By: B. Steers http://www.moneybluebook.com/0-balance-transfer-credit-cards-no-fee/#comment-31175 B. Steers Tue, 23 Sep 2008 22:34:10 +0000 http://www.moneybluebook.com/credit-cards-that-offer-zero-percent-balance-transfers-with-no-fees/#comment-31175 Capitol One just released a 0% balance transfer offer, 12 months to pay it off, NO fees associated with this offer. The only hitch is the minimum monthly payment is 3% of the outstanding balance, where in the past it typically was 2%. Still a great deal for consumers with excellent credit, & quite surprising to see in these times of supposed credit availability reduction!! Capitol One just released a 0% balance transfer offer, 12 months to pay it off, NO fees associated with this offer. The only hitch is the minimum monthly payment is 3% of the outstanding balance, where in the past it typically was 2%. Still a great deal for consumers with excellent credit, & quite surprising to see in these times of supposed credit availability reduction!!

]]> By: Mel http://www.moneybluebook.com/0-balance-transfer-credit-cards-no-fee/#comment-29246 Mel Mon, 15 Sep 2008 00:08:59 +0000 http://www.moneybluebook.com/credit-cards-that-offer-zero-percent-balance-transfers-with-no-fees/#comment-29246 Kevin, you can't transfer balances with the same bank. I just read it on their fine print. Kevin, you can’t transfer balances with the same bank. I just read it on their fine print.

]]> By: Sean http://www.moneybluebook.com/0-balance-transfer-credit-cards-no-fee/#comment-21803 Sean Wed, 23 Jul 2008 16:31:43 +0000 http://www.moneybluebook.com/credit-cards-that-offer-zero-percent-balance-transfers-with-no-fees/#comment-21803 Hi there, just read your helpful guide to balance transfers. I have a huge balance on a credit card that I'd like to transfer. Couple questions. 1st. Does it have to be a balance transfer? Couldn't I just go to pay my bill online and pay the existing amount with different credit card? 2nd. Its hard to get questions answered before applying for a credit card, such as: I have a WAMU paypal card, and that first one on your list of 0% APR purchase, and 0% APR no fee balance transfer ESPN card is WAMU as well. Assuming I'm approved, would I even be able to do a balance transfer between the two cards? Hi there, just read your helpful guide to balance transfers.
I have a huge balance on a credit card that I’d like to transfer. Couple questions.
1st. Does it have to be a balance transfer? Couldn’t I just go to pay my bill online and pay the existing amount with different credit card?
2nd. Its hard to get questions answered before applying for a credit card, such as: I have a WAMU paypal card, and that first one on your list of 0% APR purchase, and 0% APR no fee balance transfer ESPN card is WAMU as well. Assuming I’m approved, would I even be able to do a balance transfer between the two cards?

]]> By: Kevin http://www.moneybluebook.com/0-balance-transfer-credit-cards-no-fee/#comment-17999 Kevin Thu, 19 Jun 2008 22:55:01 +0000 http://www.moneybluebook.com/credit-cards-that-offer-zero-percent-balance-transfers-with-no-fees/#comment-17999 Nice list no fee balance transfer credit cards! I was trying to find a list like this. Too bad 0% credit cards that offer balance transfer rates for 12 months or more usually have balance transfer fees. Well, at leas they are limited to a certain amount. Nice list no fee balance transfer credit cards! I was trying to find a list like this. Too bad 0% credit cards that offer balance transfer rates for 12 months or more usually have balance transfer fees. Well, at leas they are limited to a certain amount.

]]> By: Steve http://www.moneybluebook.com/0-balance-transfer-credit-cards-no-fee/#comment-17908 Steve Thu, 19 Jun 2008 06:21:00 +0000 http://www.moneybluebook.com/credit-cards-that-offer-zero-percent-balance-transfers-with-no-fees/#comment-17908 Fahz, you're right. Looks like the offer was revised within the last few days. Other than the cards listed above, the Chase Disney card is perhaps your next bet at 0% f/12 mos. with a max. fee of $50 Fahz, you’re right. Looks like the offer was revised within the last few days. Other than the cards listed above, the Chase Disney card is perhaps your next bet at 0% f/12 mos. with a max. fee of $50

]]> By: Fahz http://www.moneybluebook.com/0-balance-transfer-credit-cards-no-fee/#comment-17867 Fahz Wed, 18 Jun 2008 20:16:06 +0000 http://www.moneybluebook.com/credit-cards-that-offer-zero-percent-balance-transfers-with-no-fees/#comment-17867 As of 6/18 it looks like things have changed Penny's link provides this... Balance transfer fee: 3% of each balance transfer; $5 minimum. There is no fee with the 0.00% APR balance transfer offer described above I just signed in to Upromise and tried the application and the same line has changed to Balance transfer fee: 3% of each balance transfer; $5 minimum. As of 6/18 it looks like things have changed
Penny’s link provides this…
Balance transfer fee: 3% of each balance transfer; $5 minimum. There is no fee with the 0.00% APR balance transfer offer described above

I just signed in to Upromise and tried the application and the same line has changed to
Balance transfer fee: 3% of each balance transfer; $5 minimum.

]]> By: penny pincher http://www.moneybluebook.com/0-balance-transfer-credit-cards-no-fee/#comment-17325 penny pincher Thu, 12 Jun 2008 19:29:26 +0000 http://www.moneybluebook.com/credit-cards-that-offer-zero-percent-balance-transfers-with-no-fees/#comment-17325 Steve, you're right about the upromise. Here's the terms as of 6/12/08 (<a href="https://www.accountonline.com/ACQ/DisplayTerms?sc=4FUZA227538U4U7D20W&app=UNSOL&siteId=cb&langId=en&BUS_TYP_CD=CONSUMER&DOWNSELL_LEVEL=1&BALCON_SC=&B=A&DOWNSELL_BRANDS=M,&DownsellSourceCode1=4TUZA6Q75UC84U7O30W&B1=M&t=&uc=2HQ" target=blank rel="nofollow">link</a>) I wonder if the 50 cents applies even in a month no interest is due? Even so, $6.00 per year isn't bad to have an "interest free" account. Steve, you’re right about the upromise. Here’s the terms as of 6/12/08 (link)
I wonder if the 50 cents applies even in a month no interest is due? Even so, $6.00 per year isn’t bad to have an “interest free” account.

]]> By: Steve http://www.moneybluebook.com/0-balance-transfer-credit-cards-no-fee/#comment-12933 Steve Sun, 11 May 2008 00:56:52 +0000 http://www.moneybluebook.com/credit-cards-that-offer-zero-percent-balance-transfers-with-no-fees/#comment-12933 I understand that if you sign up as a member at Upromise.com, there is a link to apply for the Citi Upromise Mastercard. If you apply through the Upromise site, the offer includes 0% for 12 months with no balance transfer fee. I understand that if you sign up as a member at Upromise.com, there is a link to apply for the Citi Upromise Mastercard. If you apply through the Upromise site, the offer includes 0% for 12 months with no balance transfer fee.

]]> By: Life Takes Visa and So Should You - Why You Should Always Use Credit or Debit Cards | Money Blue Book http://www.moneybluebook.com/0-balance-transfer-credit-cards-no-fee/#comment-2774 Life Takes Visa and So Should You - Why You Should Always Use Credit or Debit Cards | Money Blue Book Mon, 04 Feb 2008 21:01:38 +0000 http://www.moneybluebook.com/credit-cards-that-offer-zero-percent-balance-transfers-with-no-fees/#comment-2774 [...] ways to earn cash back rewards for making everyday purchases, and ways to earn interest income from 0% balance transfer offers. The money and rewards you can earn really do add up over time and should be a part of [...] [...] ways to earn cash back rewards for making everyday purchases, and ways to earn interest income from 0% balance transfer offers. The money and rewards you can earn really do add up over time and should be a part of [...]

]]> By: raymond http://www.moneybluebook.com/0-balance-transfer-credit-cards-no-fee/#comment-2555 raymond Wed, 30 Jan 2008 02:33:01 +0000 http://www.moneybluebook.com/credit-cards-that-offer-zero-percent-balance-transfers-with-no-fees/#comment-2555 i totally agree. i know a lot of people that could really testify that app-o-rama is the real deal. i totally agree. i know a lot of people that could really testify that app-o-rama is the real deal.

]]> By: Tips and Advice On How To Raise and Improve Your FICO Credit Score | Money Blue Book http://www.moneybluebook.com/0-balance-transfer-credit-cards-no-fee/#comment-995 Tips and Advice On How To Raise and Improve Your FICO Credit Score | Money Blue Book Wed, 19 Dec 2007 00:49:46 +0000 http://www.moneybluebook.com/credit-cards-that-offer-zero-percent-balance-transfers-with-no-fees/#comment-995 [...] FICO credit scores to punishment so we can can take advantage of free interest money generated by zero percent credit card balance transfers. Either way, it takes time to recover from major credit hits and [...] [...] FICO credit scores to punishment so we can can take advantage of free interest money generated by zero percent credit card balance transfers. Either way, it takes time to recover from major credit hits and [...]

]]> By: Raymond http://www.moneybluebook.com/0-balance-transfer-credit-cards-no-fee/#comment-353 Raymond Mon, 05 Nov 2007 21:36:16 +0000 http://www.moneybluebook.com/credit-cards-that-offer-zero-percent-balance-transfers-with-no-fees/#comment-353 You're right, credit policies seem to change monthly. I had to scrutinize each credit card's fine print carefully to make sure they were truly 0% for 12 month with no balance transfer fees. I hope Citibank doesn't succumb to the 3% fee trend but I have a bad feeling they will eventually. They've already scrapped a few of the better reward cards. Remember the Citibank Dividend Card? It went from 5% cash back to only 2% now. You’re right, credit policies seem to change monthly. I had to scrutinize each credit card’s fine print carefully to make sure they were truly 0% for 12 month with no balance transfer fees.

I hope Citibank doesn’t succumb to the 3% fee trend but I have a bad feeling they will eventually. They’ve already scrapped a few of the better reward cards. Remember the Citibank Dividend Card? It went from 5% cash back to only 2% now.

]]> By: Meks http://www.moneybluebook.com/0-balance-transfer-credit-cards-no-fee/#comment-347 Meks Mon, 05 Nov 2007 14:13:00 +0000 http://www.moneybluebook.com/credit-cards-that-offer-zero-percent-balance-transfers-with-no-fees/#comment-347 Thanks for sharing that. I really hope the rates stay like that because it could be a good deal for a lot of people, but one thing I find hard to keep track of is how their rates can change over time. Its hard to keep track of all the numbers, even without all the small print and hidden fees cards seem to have without rates changing over time. One of the worse ones are interchange fees because we don't even know what the rates are since they're not on our statements even. I've done some work with the MPC, and it seems to me that all of this is just getting worse before its getting any better. Thanks for sharing that. I really hope the rates stay like that because it could be a good deal for a lot of people, but one thing I find hard to keep track of is how their rates can change over time. Its hard to keep track of all the numbers, even without all the small print and hidden fees cards seem to have without rates changing over time. One of the worse ones are interchange fees because we don’t even know what the rates are since they’re not on our statements even. I’ve done some work with the MPC, and it seems to me that all of this is just getting worse before its getting any better.

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