Comments on: The Best 0% APR Purchase Credit Card Offers (With Balance Transfers)

By: Christos

Christos — Fri, 07 Aug 2009 17:53:46 +0000

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.

By: Miss Spare

Miss Spare — Wed, 06 May 2009 17:21:16 +0000

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.

By: Raymond

Raymond — Fri, 01 May 2009 09:37:55 +0000

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.

By: Heather

Heather — Tue, 28 Apr 2009 09:26:37 +0000

One additional thing you might consider is getting a second job, no matter how modest, devoted solely to paying down your credit debt.

By: stellar credit

stellar credit — Thu, 23 Apr 2009 23:24:36 +0000

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???

By: Crystle

Crystle — Mon, 09 Feb 2009 22:51:59 +0000

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!

By: Christina

Christina — Wed, 06 Aug 2008 00:00:11 +0000

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 http://www.mysfcard.com
0% Intro APR on Balance Transfers

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.

By: shaam

shaam — Fri, 22 Feb 2008 22:09:12 +0000

Don’t forget the 3% fee on Balance Transfers. Chase has a limit of $75 but Citibank has no limit.