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 Fri, 20 Nov 2009 20:54:17 -0500 http://wordpress.org/?v=2.8.6 hourly 1 By: Kayla http://www.moneybluebook.com/0-balance-transfer-credit-cards-no-fee/comment-page-2/#comment-109914 Kayla Mon, 16 Nov 2009 19:25:23 +0000 http://www.moneybluebook.com/credit-cards-that-offer-zero-percent-balance-transfers-with-no-fees/#comment-109914 Can you have more then once credit card, lets say with Chase? Can you have more then once credit card, lets say with Chase?

]]> By: Pamela http://www.moneybluebook.com/0-balance-transfer-credit-cards-no-fee/comment-page-2/#comment-109399 Pamela Sat, 14 Nov 2009 05:33:17 +0000 http://www.moneybluebook.com/credit-cards-that-offer-zero-percent-balance-transfers-with-no-fees/#comment-109399 The active balance transfer credit card links on this blog post are still valid. I think the author has already disabled the balance transfer links that are no longer working. Does anyone know if the Chase credit cards on this list offer 0% balance transfers or whether they are only 0% purchase card deals. The active balance transfer credit card links on this blog post are still valid. I think the author has already disabled the balance transfer links that are no longer working.

Does anyone know if the Chase credit cards on this list offer 0% balance transfers or whether they are only 0% purchase card deals.

]]> By: dethwsh http://www.moneybluebook.com/0-balance-transfer-credit-cards-no-fee/comment-page-2/#comment-109331 dethwsh Sat, 14 Nov 2009 00:26:06 +0000 http://www.moneybluebook.com/credit-cards-that-offer-zero-percent-balance-transfers-with-no-fees/#comment-109331 I guess most of you know this already, but this list is 2yrs out-of-date now. It shows as follows: "This entry was posted on Sunday, November 4th, 2007" All of these credit card offers are no longer valid. A few of the companies are gone too (e.g. Washington Mutual). :) As far as I can tell, there are no 0% apr on bal transfer / $0 transaction fee on bal transfer / $0 annual fee credit cards left out there. If you want to transfer a balance now, you will pay either through the interest rate each month or through the one time transfer fee. For my situation, there appears to be no good option. I need $2-3K to cover a bill for a couple of months, but a balance transfer will cost $60-$90 which is more than just paying a late fee. If anybody knows of a 0% apr on bal transfer / $0 transaction fee on bal transfer / $0 annual fee credit cards that is still out there, please post it in these comments. Thanks I guess most of you know this already, but this list is 2yrs out-of-date now. It shows as follows:
“This entry was posted on Sunday, November 4th, 2007″

All of these credit card offers are no longer valid.

A few of the companies are gone too (e.g. Washington Mutual). :)

As far as I can tell, there are no 0% apr on bal transfer / $0 transaction fee on bal transfer / $0 annual fee credit cards left out there. If you want to transfer a balance now, you will pay either through the interest rate each month or through the one time transfer fee.

For my situation, there appears to be no good option. I need $2-3K to cover a bill for a couple of months, but a balance transfer will cost $60-$90 which is more than just paying a late fee.

If anybody knows of a 0% apr on bal transfer / $0 transaction fee on bal transfer / $0 annual fee credit cards that is still out there, please post it in these comments.

Thanks

]]> By: Pam Hlad http://www.moneybluebook.com/0-balance-transfer-credit-cards-no-fee/comment-page-2/#comment-107460 Pam Hlad Fri, 06 Nov 2009 22:04:42 +0000 http://www.moneybluebook.com/credit-cards-that-offer-zero-percent-balance-transfers-with-no-fees/#comment-107460 I really learned a lot by reading your information and the comments from others. Please keep me updated with future information. Thank You I really learned a lot by reading your information and the comments from others. Please keep me updated with future information.
Thank You

]]> By: gj http://www.moneybluebook.com/0-balance-transfer-credit-cards-no-fee/comment-page-2/#comment-104609 gj Tue, 27 Oct 2009 13:21:48 +0000 http://www.moneybluebook.com/credit-cards-that-offer-zero-percent-balance-transfers-with-no-fees/#comment-104609 the key is does it have a cap on the 3% ie. $99 or $75 max the key is does it have a cap on the 3% ie. $99 or $75 max

]]> By: Chase Chaser http://www.moneybluebook.com/0-balance-transfer-credit-cards-no-fee/comment-page-2/#comment-104459 Chase Chaser Tue, 27 Oct 2009 04:45:27 +0000 http://www.moneybluebook.com/credit-cards-that-offer-zero-percent-balance-transfers-with-no-fees/#comment-104459 Check out Chase Slate Card With Blueprint as it is offering 0% balance transfers and 0% purchases for up to 12 months (3% balance transfer fee though). Limited time promotion methinks...though it might be a permanent feature of the card. Who knows...balance transfers are hard to find these days. Keep in mind -the card is NOT a no balance transfer fee zero percent offer. Check out Chase Slate Card With Blueprint as it is offering 0% balance transfers and 0% purchases for up to 12 months (3% balance transfer fee though). Limited time promotion methinks…though it might be a permanent feature of the card. Who knows…balance transfers are hard to find these days. Keep in mind -the card is NOT a no balance transfer fee zero percent offer.

]]> By: ohbet http://www.moneybluebook.com/0-balance-transfer-credit-cards-no-fee/comment-page-2/#comment-102779 ohbet Wed, 21 Oct 2009 06:58:38 +0000 http://www.moneybluebook.com/credit-cards-that-offer-zero-percent-balance-transfers-with-no-fees/#comment-102779 can i have a favor for the store who are engage in 0% .... i bought a unit from nokia and store said 0 %.. But when the computation are finish.. the cost of unit instead of 10000.00 is going to 12500. i asking why the cost of 0% is not consider to the actual price of 10000 they said .... the regular price is not like a discounted price ... okey i got it but if it is transfer to 12 month 0 interest the cost is getting higher.. i ask again the they replied 6 month is not a 12 month the interest is getting higher when month is longer.... so i said where is the 0 interest... then i ignore.... is that your policy.. thank you can i have a favor for the store who are engage in 0% …. i bought a unit from nokia and store said 0 %.. But when the computation are finish.. the cost of unit instead of 10000.00 is going to 12500. i asking why the cost of 0% is not consider to the actual price of 10000 they said …. the regular price is not like a discounted price … okey i got it but if it is transfer to 12 month 0 interest the cost is getting higher.. i ask again the they replied 6 month is not a 12 month the interest is getting higher when month is longer…. so i said where is the 0 interest… then i ignore…. is that your policy.. thank you

]]> By: Manju http://www.moneybluebook.com/0-balance-transfer-credit-cards-no-fee/comment-page-2/#comment-97691 Manju Tue, 22 Sep 2009 15:35:57 +0000 http://www.moneybluebook.com/credit-cards-that-offer-zero-percent-balance-transfers-with-no-fees/#comment-97691 Lessons learned: Keep the car loan, if it is payable in 72 months at whatever percentage, with monthly payments as low as $150 per month. I have spent more in fees by trying to transfer it from one credit card to another. In two and a half years the principle has reduced very little. I recently combined two large balances to my Citicard (the car loan and Lowe's loan). Since I have had that card for more than 10 years with an excellent standing with them, they have waived the 3% transfer fees. I mentioned to them that the same balance has been bouncing back and forth between citibank and BOA for the past four turns and I have paid fees every single time...........When I called them yesterday I noticed that the fees were not part of the balance, I hung up the phone with no comments. Keeping my fingers crossed that there will be no fees when the statement arrives. They have also dropped my int. rate from 21.99% to 12.99% after the promotion is over. I have talked to Citicard about a payment plan at prime for the life of the loan. They said it's possible, I have to keep checking with them as it would be a brief promotion. American Express or Discover was offering one a 4% last year but the amount of loan was very low. If there is a low rate out there for the life of the loan I'd like to know. Lessons learned: Keep the car loan, if it is payable in 72 months at whatever percentage, with monthly payments as low as $150 per month. I have spent more in fees by trying to transfer it from one credit card to another. In two and a half years the principle has reduced very little.
I recently combined two large balances to my Citicard (the car loan and Lowe’s loan). Since I have had that card for more than 10 years with an excellent standing with them, they have waived the 3% transfer fees. I mentioned to them that the same balance has been bouncing back and forth between citibank and BOA for the past four turns and I have paid fees every single time………..When I called them yesterday I noticed that the fees were not part of the balance, I hung up the phone with no comments. Keeping my fingers crossed that there will be no fees when the statement arrives. They have also dropped my int. rate from 21.99% to 12.99% after the promotion is over.
I have talked to Citicard about a payment plan at prime for the life of the loan. They said it’s possible, I have to keep checking with them as it would be a brief promotion. American Express or Discover was offering one a 4% last year but the amount of loan was very low.
If there is a low rate out there for the life of the loan I’d like to know.

]]> By: Brent http://www.moneybluebook.com/0-balance-transfer-credit-cards-no-fee/comment-page-2/#comment-97203 Brent Sun, 20 Sep 2009 03:54:47 +0000 http://www.moneybluebook.com/credit-cards-that-offer-zero-percent-balance-transfers-with-no-fees/#comment-97203 Mary, My suggestion is to get away from the credit cards. I delved in them when transfer fees were low and interest rates were zero but those deals seem to have disappeared. The lowest transfer fee cap I see these days is $199. Most are 3% with no cap, so on a relatively low $4,000 balance, that's $120. I've become a fan of Dave Ramsey the financial advisor who counsels people on getting out of debt. He recommends no use of credit cards for any reason, because they trap you and cause you to spend more than you would with cash or even a debit card. His solution when you can't seem to make progress paying: get enthusiastic about eliminating the debt, even get a second job to pay off the smallest debt first. He says interest rates are not nearly as important as the psychology of successfully eliminating the debt piece by piece. Its all about discipline - to not overspend, and sacrifice - to overcome the debt burden. Mary,

My suggestion is to get away from the credit cards. I delved in them when transfer fees were low and interest rates were zero but those deals seem to have disappeared. The lowest transfer fee cap I see these days is $199. Most are 3% with no cap, so on a relatively low $4,000 balance, that’s $120. I’ve become a fan of Dave Ramsey the financial advisor who counsels people on getting out of debt. He recommends no use of credit cards for any reason, because they trap you and cause you to spend more than you would with cash or even a debit card. His solution when you can’t seem to make progress paying: get enthusiastic about eliminating the debt, even get a second job to pay off the smallest debt first. He says interest rates are not nearly as important as the psychology of successfully eliminating the debt piece by piece. Its all about discipline – to not overspend, and sacrifice – to overcome the debt burden.

]]> By: Mary http://www.moneybluebook.com/0-balance-transfer-credit-cards-no-fee/comment-page-2/#comment-97046 Mary Sat, 19 Sep 2009 02:46:35 +0000 http://www.moneybluebook.com/credit-cards-that-offer-zero-percent-balance-transfers-with-no-fees/#comment-97046 I have a slightly less than 4000 dollar balance on a citibank card that has increased the interest to about 24 per cent. I have been offered a 1.99 percent balance transfer with a small fee - for 6 months - but after that it would then be at 29.99 percent - with Discover - this card currently has a zero percent balance. I am trying to determine if this is a good deal or not. The thing that annoys me is I did have 11.99 percent interest rate on the discover card - and I wasn't using it - except for small purchases which I immediately paid off - but they raised the interest rate on that one to 29.99. My citi bank card has more than doubled the interest rate. I was making a dent in the balance - but now I am just going slightly over on the minimum payment. If the discover card was a 12 month card - I would probably go for it - since I am looking for a new job and plan to have one soon - but not sure I can get rid of the balance by Feb. I really hate citibank - but I see discover is doing the same thing - raising rates for no reason. So is it a good deal or not? I have not been late on any payments on any cards - but my income is down a bit during this recession - and I suspect that is why my interest rates have gone up. Thanks I have a slightly less than 4000 dollar balance on a citibank card that has increased the interest to about 24 per cent. I have been offered a 1.99 percent balance transfer with a small fee – for 6 months – but after that it would then be at 29.99 percent – with Discover – this card currently has a zero percent balance. I am trying to determine if this is a good deal or not. The thing that annoys me is I did have 11.99 percent interest rate on the discover card – and I wasn’t using it – except for small purchases which I immediately paid off – but they raised the interest rate on that one to 29.99. My citi bank card has more than doubled the interest rate. I was making a dent in the balance – but now I am just going slightly over on the minimum payment. If the discover card was a 12 month card – I would probably go for it – since I am looking for a new job and plan to have one soon – but not sure I can get rid of the balance by Feb. I really hate citibank – but I see discover is doing the same thing – raising rates for no reason. So is it a good deal or not? I have not been late on any payments on any cards – but my income is down a bit during this recession – and I suspect that is why my interest rates have gone up. Thanks

]]> By: mark http://www.moneybluebook.com/0-balance-transfer-credit-cards-no-fee/comment-page-2/#comment-90683 mark Thu, 20 Aug 2009 18:35:09 +0000 http://www.moneybluebook.com/credit-cards-that-offer-zero-percent-balance-transfers-with-no-fees/#comment-90683 Iberia bank cards are now 2% balance transfer fee and NOT 0% APR anymore. (as of 8/20/09) Iberia bank cards are now 2% balance transfer fee and NOT 0% APR anymore. (as of 8/20/09)

]]> By: Caren http://www.moneybluebook.com/0-balance-transfer-credit-cards-no-fee/comment-page-2/#comment-82784 Caren Fri, 10 Jul 2009 11:16:47 +0000 http://www.moneybluebook.com/credit-cards-that-offer-zero-percent-balance-transfers-with-no-fees/#comment-82784 I think the game is over. In the past, I was always able to pay "zero" percent and when the introductory rate was over, transfer to a new card - with a zero percent balance transfer fee. Over the last year, it became more difficult to find this and now I'm afraid, soon impossible. The best were cards that offered a balance transfer fee that maxed out at $50. Now, it seems to be closer to $100. I've made a policy of paying little to no interest on my credit card balances over the last few years but now it really seems prudent to do one's best to pay off the balances. It does seem that those that paid in a timely manner and followed the rules, are now being penalized for those who didn't.... I think the game is over. In the past, I was always able to pay “zero” percent and when the introductory rate was over, transfer to a new card – with a zero percent balance transfer fee. Over the last year, it became more difficult to find this and now I’m afraid, soon impossible. The best were cards that offered a balance transfer fee that maxed out at $50. Now, it seems to be closer to $100. I’ve made a policy of paying little to no interest on my credit card balances over the last few years but now it really seems prudent to do one’s best to pay off the balances. It does seem that those that paid in a timely manner and followed the rules, are now being penalized for those who didn’t….

]]> By: Bruce http://www.moneybluebook.com/0-balance-transfer-credit-cards-no-fee/comment-page-2/#comment-82308 Bruce Tue, 07 Jul 2009 12:37:17 +0000 http://www.moneybluebook.com/credit-cards-that-offer-zero-percent-balance-transfers-with-no-fees/#comment-82308 Just checked both Pulaski and Iberia links; both seem to have pulled their 0% APR, no balance transfer fee offer....Iberia has 1.99% APR..... Just checked both Pulaski and Iberia links; both seem to have pulled their 0% APR, no balance transfer fee offer….Iberia has 1.99% APR…..

]]> By: Gina http://www.moneybluebook.com/0-balance-transfer-credit-cards-no-fee/comment-page-2/#comment-82218 Gina Mon, 06 Jul 2009 20:47:57 +0000 http://www.moneybluebook.com/credit-cards-that-offer-zero-percent-balance-transfers-with-no-fees/#comment-82218 I had the same thing happen a few years ago with Capital One...bills were "lost" in the mail more than once so I missed a payment and lost the 0% and just happened to look closely at the bill I finally received to even notice it. Since then I've learned to look over any bills I get carefully for fine print that notes changes...I'm learning in my old age. :) I had the same thing happen a few years ago with Capital One…bills were “lost” in the mail more than once so I missed a payment and lost the 0% and just happened to look closely at the bill I finally received to even notice it. Since then I’ve learned to look over any bills I get carefully for fine print that notes changes…I’m learning in my old age. :)

]]> By: Jill http://www.moneybluebook.com/0-balance-transfer-credit-cards-no-fee/comment-page-2/#comment-77863 Jill Mon, 15 Jun 2009 15:07:09 +0000 http://www.moneybluebook.com/credit-cards-that-offer-zero-percent-balance-transfers-with-no-fees/#comment-77863 As of 6/15/09, Wachovia bank is still offering a 0% balance transfer credit card for 12 months with no annual fee and a balance transfer fee of 3% per transaction (or a $10 minimum, $99 maximum) ! Go to homepage, type in 0% balance transfer credit card in search, look for Visa Platinum Rewards card. Good luck applying! As of 6/15/09, Wachovia bank is still offering a 0% balance transfer credit card for 12 months with no annual fee and a balance transfer fee of 3% per transaction (or a $10 minimum, $99 maximum) ! Go to homepage, type in 0% balance transfer credit card in search, look for Visa Platinum Rewards card. Good luck applying!

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