Author Topic: No blance transfer and 0% APR  (Read 8952 times)

Offline AEF

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No blance transfer and 0% APR
« on: May 30, 2008, 02:28:21 PM »

Anybody know of a credit card that has free initial blance transfer with 0% APR at least for the first six months?

I need to transfer over a $12,000 debt over from one credit card. I can pay off about $1,000 a month.

Please help!

Offline E

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Re: No blance transfer and 0% APR
« Reply #1 on: May 30, 2008, 03:12:11 PM »
Anybody know of a credit card that has free initial blance transfer with 0% APR at least for the first six months?

I need to transfer over a $12,000 debt over from one credit card. I can pay off about $1,000 a month.

Please help!
<edit by dan:As per forum rules, please don't link to competing sites, however feel free to link to a specific credit card offer.>
« Last Edit: May 30, 2008, 04:09:20 PM by Dan »

Offline Yitzter

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Re: No blance transfer and 0% APR
« Reply #2 on: May 30, 2008, 03:16:38 PM »
I have the citi Diamond preferred, and I have the 0% on balance transfers and purchases for 12 months. I think it's a great card.
"There are three types of people in this world: those who make things happen, those who watch things

Offline ash

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Re: No blance transfer and 0% APR
« Reply #3 on: May 30, 2008, 04:59:54 PM »
check washington mutual but they dont give any rewards or a bank of america world points

Offline Yitzter

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Re: No blance transfer and 0% APR
« Reply #4 on: May 30, 2008, 05:01:45 PM »
So why get it? If you can get the 0% plus points, why not.
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Offline Dan

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Re: No blance transfer and 0% APR
« Reply #5 on: May 30, 2008, 05:12:21 PM »
I have the citi Diamond preferred, and I have the 0% on balance transfers and purchases for 12 months. I think it's a great card.
Citi Diamond Preferred: 0% on purchases and on BT for 12 months:
Use this link (copy and paste in a new tab/window) and help support the upkeep of this site!
sunspotweb.com/aff/8F14BF4FCED283D30F14?8213B2A2D86EA32BAD652042EDAFC6FB65A92C9B32


« Last Edit: May 30, 2008, 05:22:39 PM by Dan »
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline Yitzter

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Re: No blance transfer and 0% APR
« Reply #6 on: May 30, 2008, 05:19:05 PM »
Citi Diamond Preferred: 0% on purchases and on BT for 12 months:
Use this link and help support the upkeep of this site!
sunspotweb.com/aff/8F14BF4FCED283D30F14?8213B2A2D86EA32BAD652042EDAFC6FB65A92C9B32
Dan, I cant click on the link, what's it for. And why did you repeat what I said, did I say something wrong?
« Last Edit: May 30, 2008, 05:22:53 PM by Dan »
"There are three types of people in this world: those who make things happen, those who watch things

Offline Dan

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Re: No blance transfer and 0% APR
« Reply #7 on: May 30, 2008, 05:23:36 PM »
Dan, I cant click on the link, what's it for. And why did you repeat what I said, did I say something wrong?
Nothing wrong, just posting the link to the card you are referring to!
You just need to copy/paste the link to use it.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline Yitzter

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Re: No blance transfer and 0% APR
« Reply #8 on: May 30, 2008, 05:25:14 PM »
Yea I got it work. Too bad I have the card already.
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Offline eli123

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Re: No blance transfer and 0% APR
« Reply #9 on: June 01, 2008, 12:39:38 AM »
Yeh but they charge a balance tranfer fee not sure how much you should look for one with no balance transfer fee which is hard to find these days.Let me know if you find one I can use one myself

Offline eehlye

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Re: No blance transfer and 0% APR
« Reply #10 on: June 01, 2008, 01:10:25 AM »
Citi currently has a few cards that would meet your requirements.

Offline eli123

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Re: No blance transfer and 0% APR
« Reply #11 on: June 01, 2008, 01:16:22 AM »
I dont believe that is true. which ones would that be?

Offline Yitzter

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Re: No blance transfer and 0% APR
« Reply #12 on: June 01, 2008, 02:55:17 AM »
Citi ProfessionalSM Cash Card. They don't have a fee for balance transfers for however long your 0% APR intro is!
« Last Edit: June 01, 2008, 03:00:28 AM by Yitzter »
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Offline Yitzter

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Re: No blance transfer and 0% APR
« Reply #13 on: June 01, 2008, 03:01:14 AM »
The Diamond Preferred used to have no fee for balance transfers. But now they do.
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Offline AEF

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Re: No blance transfer and 0% APR
« Reply #14 on: June 02, 2008, 09:42:58 AM »
Dan and Yitzter - Am I missing something?

The citi Diamond preferred card says:

"Balance Transfer fee applies with this offer"

The Citi ProfessionalSM Cash Card says:

"Balance transfer fee:    3% of each balance transfer; $5 minimum." That would be $360 to transfer over the $12,000.

I don't need rewards - I just need to pay off this debt over 12 months without paying an arm and a leg.

Please Help!

Offline Dan

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Re: No blance transfer and 0% APR
« Reply #15 on: June 02, 2008, 10:33:58 AM »
Dan and Yitzter - Am I missing something?

The citi Diamond preferred card says:

"Balance Transfer fee applies with this offer"

The Citi ProfessionalSM Cash Card says:

"Balance transfer fee:    3% of each balance transfer; $5 minimum." That would be $360 to transfer over the $12,000.

I don't need rewards - I just need to pay off this debt over 12 months without paying an arm and a leg.

Please Help!
If you're paying over 10% APR now, it would still be worth paying the 3% BT fee to get 0% APR for a year, no?
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline AEF

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Re: No blance transfer and 0% APR
« Reply #16 on: June 02, 2008, 10:45:15 AM »
Yes - but I know of cards like that - I was looking for a card that I wouldn't have to pay that $360 - If there isn't one out there - fine - but I was wondering if anybody knew of ones that did!

As I stated in my initial post ".... free initial balance transfer with 0% APR ...."

Sorry if I was unclear!

Thanks for your help!

Offline ash

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Re: No blance transfer and 0% APR
« Reply #17 on: June 02, 2008, 01:58:35 PM »
most of the time they cap that fee to 75$
i just did it on that discover card and now i will put it in my new savings acct from aarp savings acct with an auto payments every month till ineed to the full amount back

Offline Yitzter

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Re: No blance transfer and 0% APR
« Reply #18 on: June 02, 2008, 03:01:31 PM »
A lot of cards used to offer the no fee BT, but most of them started charging.
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Offline elizmm

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Re: No blance transfer and 0% APR
« Reply #19 on: June 03, 2008, 02:08:23 AM »
 I know alot about transfers, i have looked into this in depth, i recently transfered 13g for 0% 15 months no fee..

there are a few things i need to know:

1. do u have a good credit score?

2. what card do you currently have (that has the balance you wish to transfer)?

3. what other credit cards do you have besides for the large balance one?

It is all from Hashem and he will continue to give!