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0 Balance Transfer Credit Card Offer
Brian Said:credit card with 0.9% balance transfer?
We Answered:A credit card company cannot survive offering a 0.9% interest unless they have some trick up their sleeve where they will hit you up for more money. You must read your contract like a detective, and there is likely to be some way that they are going to zap you with high fees. One trick is to charge you a 3% transfer fee. Another trick is too jack up your rate to over 20% after the introductory 0.9% rate is over. If you get mad at the high rate and try to transfer your balance again, they hit you with another 3% transfer fee. This link talks about other way they trick you. Be careful. However, if after reading carefully, you find it is still a good deal go ahead. However, be prepared to have money available to pay off the credit card debt if they jack the rate to the moon.
Richard Said:Looking for a credit card with 0% balance transfers and $0 transfer fee. Help!?
We Answered:Check out this site...I just found it the other day and applied for a 0% with no fee...
Peggy Said:Is there any reason why I can't transfer a 0% intro offer credit card to another one?
We Answered:It won't hurt your credit score, but it will hurt your "credit worthiness". It's very easy for a Credit Card company to see you doing this, it called "BT (Balance Transfer) Surfer". Because it won't affect your credit score you will still be approved (keep in mind every inquiry dings your credit score) but you may not get a high enough Credit Limit to cover the entire Balance.
They do this on purpose, as a BT Surfer you are not profitable, and not a good Long-term investment even if there is a BT fee.
Transferring from one card back to the other will still be caught. Every Credit Card company you have an account with runs regular (1-2 times a year) "maintainance" inquiries and if they see you doing this they can and most likely will stop offering your low rates on Balance Transfers eventually. Also at any time the Credit Card company can Lower your Line of Credit or Revoke (close) your account for any reason. It's in your Cardmember Agreement, I would bet money on the fact this is all in there no matter what company it is. BT Surf enough times and you can really hurt yourself. It's fine to Transfer to help you pay off your balance, but don't make a habit of it.
Jessie Said:Can I use my Credit Card's 0% Balance Transfer offer to free credit on a Current Account?
We Answered:Read the fine print of your offer (they vary from card to card...) ...odds are that you can only do a balance transfer from other cards. If you get a new card, transfer your existing balance, and don't purchase anything new on that new card, you can get the 0% for however long the promotion lasts. Just make sure you've paid it off by then and put new purchases on your old card. That way you don't end up paying sky-high interest on items you thought you were paying off... it's "lowest interest first" on every credit card I've seen, which means that you don't make a dent in new purchases until the 0% is paid off.
Anthony Said:I want to transfer the balances on my credit cards to a new card w.ith a 0% rate on balance transfers?
We Answered:Each time you apply for a card or loan, you are dropping your credit score a bit by adding another inquiry to your report. These inquiries stay on your report and affect your score for 2 years.
Since your score is in the 600s and you have already been rejected for 3 0% offers, you probably won't be approved for another card until your score improves some.
Trying to get approved for a consolidation loan with your score is probably not going to drop the rate on your cards much, if at all, so ask what the rate would be for someone with your score before you apply and add another inquiry to your report.
Have you tried calling your credit card companies and seeing if they will give you a lower rate? If they won't, ask them what you need to do to get a lower rate and when you should call back to request it.
Probably the best way to improve your score is to pay down some of your current debt. Start by cutting your expenses (go out to eat less often, use your cell phone less and change to a lower minute plan, drop premium channels from cable, brown-bag your lunch, etc.) and then put all that 'saved' money toward your highest rate card, in addition to the minimum payment. When you get that card paid off, add what you were paying to the minimum payment of the next highest rate card until that one is paid off.
As you pay cards off and down, you will probably be able to get lower rates and possibly some good balance transfer offers from the cards you have, without having to apply for any more cards.
Arlene Said:Can I transfer a line of credit at a high interest rate to 0% balance transfer card?
We Answered:Well, maybe. Is your line of credit on a card, or is it an open line, or is it based on ownership of something (most lines of credit at banks are open lines based on a mortgage or ownership of a vehicle). I would say call the credit card you're considering using for the transfer and ask them. If they don't know, go and talk to the bank. Tell them the interest rate is too high, and you would like them to lower it because you have decent credit, you've been making regular payments, you have a job, etc. If they refuse to lower it, tell them you are considering taking out a cash advance on the credit card (another option you have) to pay off the entire balance, so they won't be earning ANY interest at all. If they still won't change the interest rate, take out the cash advance off the credit card (it should also have a low or 0% interest rate) and pay it off. There will be a fee to do it from the credit card company, but then you don't have to deal with the bank.
Danielle Said:Am I gonna save with this credit card balance transfer offer?
We Answered:If you pay if off and follow all of the fine print rules, then yes.
1300 x 1.03 = 1339 (your new balance after the transfer)
You will have to be able to pay 112 dollars a month to pay it off in 12 months, you might want to pay more than that each month to make sure you pay it off early (like at least 122 a month).
If you are concerned about your credit score, it will take a hit when you do the new card and the balance transfer. You might just want to set a pace for paying off the card you have right now. That is a low rate for a credit card and you could have that knocked out in no time.
Go to bankrate.com and play with their credit card calculator. If you tell it how much you can pay a month, the interest rate, and the balance, it will tell you how long it takes to pay it down. Or you can pick how long you want it to take and it will give you a monthly payment. Shows you your options.
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Exchanging from one card back to the next will at present be gotten. Each Credit Card organization you have a record with runs normal maintenance"inquiries and on the off chance that they see you doing this they can and probably will quit offering your low rates on Balance Transfers in the long run. Additionally whenever the Credit Card Company can Lower your Line of Credit or Revoke (close) your record for any reason.
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