Latest responses to “List of zero percent credit cards and balance transfer offers for 2013” Copyright 2013, MoneyBlueBook.com 392090 2010-10-15T18:04:16-07:00 P Nelson Are there no credit cards left with a cap on the 0% balance transfer offers? They all have 3% or higher and I can't find any with a cap such as $99 or $150 anymore. I've been doing the 0% balance transfer shuffle for 2 years now and it's getting harder/ now impossible to find any offers. Am looking for another place to park $15,000 for 6 -12 months @ 0% rather than sell my investments to pay this off. I am unwilling to spend $400-500 in balance transfer fees @3% when I can make at least 5% in the market by keeping that money invested. Are there no 0%, no fee or capped fee cards left? 392070 2010-09-07T16:03:54-07:00 B Ronin I decided to research Balance Transfer offers from "banks only" and this is what I found. CURRENTLY: 1) www dot Citizensbank dot com is offering "0% introductory APR on balance transfers for twelve months" 2) www dot 53 dot com is offering "0% APR Introductory APR on Purchases and Balance Transfers for 12 months" 3) ALWAYS Read, Read, Read the Fine Print..... 392080 2010-09-02T15:58:41-07:00 B Ronin I am in "same situation" as another post listed above. I've been playing the Transfer Balance Game every year [to payoff a lump sum under 5k] so now I have every card under the sun -- AMerican Express, Citibank, Chase, Discover, Bank of America, Capital One, HSBC, etc. What I noticed is that these Credit Card Issuers/Processors PENALIZE existing customers by offering Promos with 0% to new customerly ONLY, while sending Balance Transfer checks to me valid for eight (8) months in hopes of TRAPPING me into 19.99% afterwards. What a Bunch of Con-Artists these Financial Companies are! What I dont understand is that why are Credit Cards in the United Kingdom offering 0% for balance transfer for 15 months, like the Virgin card??? 392060 2010-07-23T02:55:45-07:00 KJS Capital One did a bait and switch on me. I applied by phone and was told I was approved for a 0% balance transfer for 12 months, with no balance transfer fee. But what they sent me was a card with 14.9% balance transfer rate (terms sent under separate cover from the card). When I called to straighten out the error, i was transferred from one party to the next for 2 hours. Finally a "Sr. Acct. Manager" said she was going to transfer me to someone who would trade out my current card for the one I was promised, but in fact I was transferred to someone in the Phillipines who told me I didn't qualify for that card. I have excellent credit, so I know that can't be the case; and even if it was, why did they approve me for those terms if they thought I didn't qualify? Looks like they were trying to trick me into transferring my balance at the much higher rate. FYI, the FTC has an online site where you can register complaints against such practices. Suggest you do so when this kind of fraudulent activity happens. And stay away from Capital One! 392030 2010-06-01T14:38:34-07:00 alan Just got some checks for my Citi Pref. Diamond Card account that says 0% APR until Dec. 01, 2011 with a 4 % fee. I'm transferring 2500 to it. Does this sound ok? FYI the rate on this (discover without a late payment in over a year is 28.99% 392050 2010-05-23T15:43:00-07:00 Debbie I need a credit card i can transfer an 8000.00 balance onto. Citi bank only offered me 4500.00 and then wanted 3% for a transfer fee. Why say on the websit first off that you do not charge a transfer fee if that is not true, they get you sucked into creating an application and then they decide to let you know they are going to charge you a 3 percent transfer fee, that is ridiculous. I had Capial One, when i decided to close the account they jumped my interest rate from 8.9 to 17.9. When i called them they said they had sent me a notice last year that if i closed the account the rate would go up, but hey 9 percent that is really absurd. I guess there are no "good" deals out there anymore, is there no recourse for the everyday person? 392040 2010-05-04T21:33:03-07:00 Bob Sharada, from the post above, fails to mention that the Suncorp platinum card comes with a hefty annual fee: "Subject to your acceptance of the card, an annual account fee which is currently $205 for the Primary Suncorp Clear Options Platinum card..." Judging by the infrequency of posts, by both the site owner and readers, there are very few deals out right now and this one is definitely not a deal. Read everything thoroughly. Best wishes 392020 2010-03-27T02:17:19-07:00 sharada ananth Hi guys, you can go for suncorp platinum card at 3.9% on balance transfer for the life of balance transfered. this is also a card from city group. the best card. right now as on 27/03/2010. go for it . enjoy paying off faster. :) 391960 2010-03-05T13:59:08-08:00 hazz Can you transfer your balances from one 0% credit card to another if it is the same company? For instance, from a Chase Slate to a Chase Freedom? 391980 2009-11-16T20:59:11-08:00 Norma Jones please send me offers on 0% credit card transfers