Latest responses to “The Best 0% APR Purchase Credit Card Offers (With Balance Transfers)” Copyright 2013, MoneyBlueBook.com 455720 2010-06-12T23:41:12-07:00 Lanie Hello my name is Lanie I have 3 credit cards are high on annual fee and i want to balance transfers all of my 3 credit cards and I want only one credit card to use for every time my son wants to buy clothes and books. i'm a single mom and i'm sad that i got layoff last week in my job because it was very slow we only work 4-6 hours 4 days a week and i'm stress out because i can't even payoff all my credit cards and i just one 1 credit card for everything if someone can help me but when i apply for a balance transfer for my 3 credit cards i always decline and i don't know what to do and i feel sad and stress out because my a single mom and it hard my parents can't help because they are already retired now. Could anyone can help me everytime I apply they want were i work but everytime i said i just got layoff on my job last week they said no and decline when they send me letter telling tha i didn't qualify because i'm unemployed and my debts right now is $6000 for all my 3 credit card if there anyone who can help me please email me my email address is asian5371@aol.com right now i can't even pay my credit card bills so i have to borrow some money for my parents and they get mad. I only receiving my UIB checks is not that much to cover my credit cards payment i can't eat or sleep at night . 455710 2009-08-07T13:53:46-07:00 Christos Just a side note to look out for. 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. 455670 2009-05-06T13:21:16-07:00 Miss Spare I am looking for something that low interest, 4% or so, that is for the life of the balance. I just can't seem to find anything like that anymore. 455650 2009-05-01T05:37:55-07:00 Raymond Heather, Regarding getting a second job to pay off your existing credit card bills and revolving debt, that's easier said than done. Even getting that first job isn't all that easy these days. The economy's still in pretty bad shape and both good and bad jobs are still hard to come by. 455700 2009-04-28T05:26:37-07:00 Heather One additional thing you might consider is getting a second job, no matter how modest, devoted solely to paying down your credit debt. 455680 2009-04-23T19:24:36-07:00 stellar credit I have 2 credit cards. One is very very high bal. One is low. Both have had their interest rates jacked up. I too am a victim of the economy but have NEVER been late on my cards and even according to the credit card company have "stellar credit" Rate on high bal went from 7.9 to 25.99 Rate on low bal went from 11.99 to 16.99 Big problem...I worked for a non profit and my position is no longer funded there for I am "unemployed" yet still paying my bills. I am a home owner...but only purchased 2 years ago so do not have a whole lot of equity... I am self employed...have been for 3 years thank GOD but still JUST making my bills. I need help! Any out there??? 455690 2009-02-09T17:51:59-08:00 Crystle I need some help, I have two credit cards that have a very high interest rate, they are both maxed out. And with this "wonderful" economy that we are living in I have recently been laid off from my job and have been left with no choice but to accept a job with significantly lower pay. Now, I am looking into something that will lower my monthly payments on my credit cards. So balance transfers, credit consolidation companies....I'm willing to look into anything! Thank you! 455660 2008-08-05T20:00:11-07:00 Christina I thought this info would be helpful :) NO BALANCE TRANSFER FEE's BUT BALANCE TRANSFERS MUST BE DONE WITHIN 90 DAYS PLUS THE GREAT BENEFITS BELOW Good Neighbor Visa �� Credit Card Apply Now Access My Account View my Year-End Summary on www.mysfcard.com 0% Intro APR on Balance Transfers Contact us at 1-877-SF4-VISA (1-877-734-8472) Features Low Purchase APR* No Annual Fee Zero Fraud Liability Protection Online Discounts Lost/Stolen card protection Worldwide Visa credit card acceptance 24 Hour Good Neighbor Service �� Online Access Anytime Free built-in protection features Free Identity Theft Protection Free Account Fraud Monitoring Free $250,000 Travel Accident Insurance Free Auto Rental Insurance Cash advance privileges via ATMs and convenience checks Refer to the Important Account Disclosures that contains rates, fee, cost, and account information. 455640 2008-02-22T17:09:12-08:00 shaam Don't forget the 3% fee on Balance Transfers. Chase has a limit of $75 but Citibank has no limit.