Comments on: The Best 0% Balance Transfer Credit Cards

By: hazz

hazz — Fri, 05 Mar 2010 17:59:08 +0000

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?

By: Ioane Takape

Ioane Takape — Wed, 17 Feb 2010 18:52:44 +0000

Just wondering if you can help me with my debt by transfer it to a 0% interest rate or if you can help me what to do.
Thanks

By: distressed

distressed — Sat, 09 Jan 2010 00:53:38 +0000

I have excellent credit and have used 0% cards for years. My problem is that now I have cards with every bank. Citi, chase, bofa, discover, etc. These banks don’t want to offer me a new card since I already have an account with them. I several thousand dollars on different cards that promo rates are about to expire. What should I do?

By: Norma Jones

Norma Jones — Tue, 17 Nov 2009 00:59:11 +0000

please send me offers on 0% credit card transfers

By: Credit Card Chaser

Credit Card Chaser — Tue, 10 Nov 2009 04:24:47 +0000

My personal favorite is the Discover More card but you have a nice list overall. I would also add that the Discover More American Flag card has a better balance transfer offer than the other Discover More cards in the More card series.

By: Chase Chaser

Chase Chaser — Tue, 27 Oct 2009 04:43:20 +0000

Hey, the Chase Slate Card With Blueprint is offering 0% balance transfers and 0% purchases for up to 12 months (3% balance transfer fee though). Though Blueprint From Chase is not promoting the card as a balance transfer credit card, it’s right there in the terms black and white!

By: Vitaly

Vitaly — Thu, 22 Oct 2009 16:05:21 +0000

Please remember that as of Feb 2010 no credit card co will be able to “screw around” with the % rates. Obama passed the law where they will not be able to change the rates, minimums, policies easily. Because of that you see many credit card copamnies raising % rate. I just got a notice in mail that % rate is going up on my Chase credit card as of January 11, 2010. Please pay attention to what you are getting in mail from the credit card companies! I am in the process of “shopping around” for an interest free transfer. Having hard time finding free transfer with no fee. Discover offers 5% balance transfer fee while Capital One 3%. I am looking further.

By: Jon M.

Jon M. — Sun, 18 Oct 2009 05:01:14 +0000

By: Walt

Walt — Wed, 07 Oct 2009 22:12:45 +0000

Careful with Chase (and, I guess this goes for all of the scoundrels).

I’ve been a Chase customer for several years now. Last year they offered me several “special offers” including a 0% transfer – UNTIL THE BALANCE WAS PAID OFF. I went with the deal and transferred a balance from another card and closed the other account. Thinking I could pay off the balance fairly rapidly with the entire payment going to principal, I thought I was golden.

Then, in July, they sent me a “change in terms” document (which I ignored -stooopid me). In August, imagine my surprise when I noticed a 14.24% APR on the balance I thought was supposed to be 0%. What? What about “the deal”??

I’ve contacted them several times now with no resolution. Apparently any special offer can be made null and void if *they* decide to change the terms (they can do it according to the “original” fine print in the agreement), not if *I* decide it should change. So much for accepting any kind of deal nowadays.

I am so p*ssed at Chase now that I want to transfer the balance from that card to another 0% card. I realize the new card will eventually go up, but at least I’ll know months in advance and can plan for it.

By: Wendy Bernard

Wendy Bernard — Mon, 14 Sep 2009 20:22:01 +0000

I have several cards . One is shut down, but I keep making payments and the interest is 15 % or less on others. I do have two chase cards , one at 30% for $5,000 and one at 18% for $9,000. I want to transfer the $5,000 one first and pay it off. What are the numbers I am looking at. I don’t understand the cap or how to do the balance transfer. Please advise. WB

By: Dave

Dave — Tue, 01 Sep 2009 03:08:04 +0000

Looking for a card with no balance transfer fee and 0% interest for 6 or 12 mths
Please contact me ASAP,I have excellant credit
Thank you
DB

By: Renee

Renee — Mon, 31 Aug 2009 02:19:58 +0000

I will have 14,000 balance on a BofA Visa that is due 10/28 or they will retroactively put 29% interest on it. Help? It was a cash advance which I already paid the 3% fee on the $18,000 limit. Does anyone have suggestions? I have good credit and am looking for another card to transfer the balance to with the lowest interest rate.

By: Christos

Christos — Thu, 13 Aug 2009 07:01:50 +0000

What Scott said is completely true unfortunately. For example, some credit cards that offer 0% on balance transfers for “X” amount of months will charge you their interest rate on any new purchases. The catch is that their annual fee on the card (if there is one) or any other fee they put on your card other than what you transferred over, is considred to them as a “new purchase”, so you will begin paying finance charges on those “new charges”. The ONLY way out of paying the new finance charges with them is to pay off the credit card in full, which includes their new charges as well as your balance transferred. I just had this experience with Air Canada’s Aeroplan Bank of America card.

By: Scott

Scott — Sun, 26 Jul 2009 19:14:06 +0000

Be careful if the card requires you to make a purchase on the card each and every month. You wil be charged interest on the new purchases every single month until you pay the new purchases off. The catch here is that your transfer balance came before your monthly purchases, so until your high balance transfer is paid for, you have accumulating monthly interest on all of your new purchases. That interest keeps accruing and cannot be paid off until you have paid off your balance transfer. I know, it happened to me. Dropped that card in a hurry. You are better off to pay the transfer fee.

By: AMEX CLEAR

AMEX CLEAR — Mon, 29 Jun 2009 13:38:43 +0000

Hey,

I have an AMEX Clear When I got it about a year ago I got 5.99% (Balance Transfer – For Life of Balance) and 11.24% on Purchases. Haven’t used this card since so i am still taking full advantage of the 5.99%.