Comments on: The Best 0% Balance Transfer Credit Cards http://www.moneybluebook.com/0-balance-transfer-credit-cards/ Personal Finance Beyond Credit Cards and Balance Transfers Sat, 07 Nov 2009 22:04:14 -0500 http://wordpress.org/?v=2.8.5 hourly 1 By: Chase Chaser http://www.moneybluebook.com/0-balance-transfer-credit-cards/comment-page-1/#comment-104457 Chase Chaser Tue, 27 Oct 2009 04:43:20 +0000 http://www.moneybluebook.com/?p=479#comment-104457 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! 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 http://www.moneybluebook.com/0-balance-transfer-credit-cards/comment-page-1/#comment-103056 Vitaly Thu, 22 Oct 2009 16:05:21 +0000 http://www.moneybluebook.com/?p=479#comment-103056 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. 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. http://www.moneybluebook.com/0-balance-transfer-credit-cards/comment-page-1/#comment-102240 Jon M. Sun, 18 Oct 2009 05:01:14 +0000 http://www.moneybluebook.com/?p=479#comment-102240 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? 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: Walt http://www.moneybluebook.com/0-balance-transfer-credit-cards/comment-page-1/#comment-100327 Walt Wed, 07 Oct 2009 22:12:45 +0000 http://www.moneybluebook.com/?p=479#comment-100327 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. 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 http://www.moneybluebook.com/0-balance-transfer-credit-cards/comment-page-1/#comment-96284 Wendy Bernard Mon, 14 Sep 2009 20:22:01 +0000 http://www.moneybluebook.com/?p=479#comment-96284 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 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 http://www.moneybluebook.com/0-balance-transfer-credit-cards/comment-page-1/#comment-93658 Dave Tue, 01 Sep 2009 03:08:04 +0000 http://www.moneybluebook.com/?p=479#comment-93658 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 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 http://www.moneybluebook.com/0-balance-transfer-credit-cards/comment-page-1/#comment-93513 Renee Mon, 31 Aug 2009 02:19:58 +0000 http://www.moneybluebook.com/?p=479#comment-93513 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. 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 http://www.moneybluebook.com/0-balance-transfer-credit-cards/comment-page-1/#comment-89121 Christos Thu, 13 Aug 2009 07:01:50 +0000 http://www.moneybluebook.com/?p=479#comment-89121 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. 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 http://www.moneybluebook.com/0-balance-transfer-credit-cards/comment-page-1/#comment-85909 Scott Sun, 26 Jul 2009 19:14:06 +0000 http://www.moneybluebook.com/?p=479#comment-85909 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. 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 http://www.moneybluebook.com/0-balance-transfer-credit-cards/comment-page-1/#comment-80925 AMEX CLEAR Mon, 29 Jun 2009 13:38:43 +0000 http://www.moneybluebook.com/?p=479#comment-80925 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%. 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%.

]]> By: InkedMark http://www.moneybluebook.com/0-balance-transfer-credit-cards/comment-page-1/#comment-80744 InkedMark Sun, 28 Jun 2009 18:30:29 +0000 http://www.moneybluebook.com/?p=479#comment-80744 Hi, I am trying to finance the purchase of a new laptop and not accumulate any interest. I read the blog on 0% interest credit cards and saw a link for the American Express "Clear" card and just wanted to know if anyone has had any experience with this card and if it is truly a 0% interest Amex card that allows you to make monthly payments instead of having to pay it in full like a tradtional Amex green card? Hi,

I am trying to finance the purchase of a new laptop and not accumulate any interest. I read the blog on 0% interest credit cards and saw a link for the American Express “Clear” card and just wanted to know if anyone has had any experience with this card and if it is truly a 0% interest Amex card that allows you to make monthly payments instead of having to pay it in full like a tradtional Amex green card?

]]> By: Dave http://www.moneybluebook.com/0-balance-transfer-credit-cards/comment-page-1/#comment-79657 Dave Wed, 24 Jun 2009 13:50:54 +0000 http://www.moneybluebook.com/?p=479#comment-79657 The discover card is 0% until December of 2009, not 12 months. The discover card is 0% until December of 2009, not 12 months.

]]> By: henry benjamin addo tagoe http://www.moneybluebook.com/0-balance-transfer-credit-cards/comment-page-1/#comment-71874 henry benjamin addo tagoe Thu, 21 May 2009 16:35:50 +0000 http://www.moneybluebook.com/?p=479#comment-71874 i like a bank that will help me to pay my credit in the l/c form i like a bank that will help me to pay my credit in the l/c form

]]> By: DebbiePowers http://www.moneybluebook.com/0-balance-transfer-credit-cards/comment-page-1/#comment-68906 DebbiePowers Thu, 07 May 2009 13:51:52 +0000 http://www.moneybluebook.com/?p=479#comment-68906 Are there any more balance transfer credit card offers offering 0% APR that happen to be Citibank or Bank of America Cards? The Citibank Platinum looks good at 12 months but are there any BofA ones? I guess Discover credit cards offer lots of balance transfer deals but not sure where they accept them these days if I decide to use them for purchases after the 0% balance transfer period ends.....hmmm Are there any more balance transfer credit card offers offering 0% APR that happen to be Citibank or Bank of America Cards? The Citibank Platinum looks good at 12 months but are there any BofA ones? I guess Discover credit cards offer lots of balance transfer deals but not sure where they accept them these days if I decide to use them for purchases after the 0% balance transfer period ends…..hmmm

]]> By: Stefen http://www.moneybluebook.com/0-balance-transfer-credit-cards/comment-page-1/#comment-67230 Stefen Thu, 30 Apr 2009 03:56:53 +0000 http://www.moneybluebook.com/?p=479#comment-67230 I have a maxed out Visa Platinum card ($12,300) My interest rate on it is 10.5% I'm currently paying $340 a month min payment and Its killing me! I've never done a balance transfer before and I have a excellent credit score. I'm looking for the best card to do a 0% balance transfer for 12 months. Thanks for your help! I have a maxed out Visa Platinum card ($12,300) My interest rate on it is 10.5% I’m currently paying $340 a month min payment and Its killing me!
I’ve never done a balance transfer before and I have a excellent credit score. I’m looking for the best card to do a 0% balance transfer for 12 months. Thanks for your help!

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