Author Topic: 0% APR card comparisions  (Read 1235 times)

Offline S209

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Re: 0% APR card comparisions
« Reply #15 on: January 09, 2019, 03:54:39 PM »
If you know me you'd know that quite the opposite. I try my hardest not to charge money. You can ask others on ddf that I actually coach people to do this on their own (and give free advice)
 in my experience people tend to mess up really badly putting in the applications and that's why I am willing to do it for them and therefore have to charge a fee for my time.
Another point is allot of people with a decent amount of debt won't be able to get a lot of zero apr cards with the outstanding debt which is another thing we need to get rid of before applying...

So no I'm not doing this to make money rather I do it as a favor. But if it will take me time to sit with them and put through the apps or put it through for them I'm forced to charge for my time.

And a side note I don't charge anywhere near 5 percent.
Cool. Btw I actually am totally cool with you charging whatever you want for whatever you do. Somebody doesn't like it, they don't need to utilize your services.. if they do, then they made the cheshbon that it's worth it for them, so why shouldn't you charge it?

That said, there are many others on here who disagree with me. Socialism, anyone?

I'd like to add one interesting story to make my point:

I have a friend who's uncle has a glasses store, and is also well known for being skilled at fixing broken glasses very nicely. Once, a woman came in with her son's expensive broken glasses and asked if he could fix it. He said, "Sure, it's $75." She thought about it and decided that it's worth it, as they costed over $500. He took them, told his other customers to hold on, and while she waited, welded the broken pieces together in around 30 seconds and handed it back to her.

She was very taken aback. "You're charging me $75 for that?" she asked. He replied, "Sorry, you're right." He took the glasses, pulled the pieces back apart, and said, "Leave them here, they'll be ready in 2 weeks."

I think I've made my point.
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Offline chbochur

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Re: 0% APR card comparisions
« Reply #16 on: January 09, 2019, 03:58:46 PM »
While I agree with you and that story brings out a good point we still try to do as much chesed as we can...

Offline S209

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Re: 0% APR card comparisions
« Reply #17 on: January 09, 2019, 04:00:53 PM »
While I agree with you and that story brings out a good point we still try to do as much chesed as we can...
Also true. You should do as much chesed as you can. Also, you can charge whatever you like when you don't want (or can't afford) to be doing chesed. It's nobody else's business, and they can take it or leave it.
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Offline chevron

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Re: 0% APR card comparisions
« Reply #18 on: January 21, 2019, 09:18:19 AM »
Any cards have 0% transfer fee? Besides Amex every day card

Offline LoLo

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Re: 0% APR card comparisions
« Reply #19 on: January 21, 2019, 09:33:10 AM »
Chase slate.
BofA americard only when you apply directly from their site (not through affiliates).

Offline chevron

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Re: 0% APR card comparisions
« Reply #20 on: January 21, 2019, 09:52:26 AM »
Chase slate.
BofA americard only when you apply directly from their site (not through affiliates).

I had the slate year's ago. Possible to get again ?

Offline Definitions

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Re: 0% APR card comparisions
« Reply #21 on: January 21, 2019, 02:11:04 PM »
I had the slate year's ago. Possible to get again ?
Yes. I had it twice with no interest. I think it has to be 2 years since closing first time.
Jack of all trades, master of none.

Offline chevron

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Re: 0% APR card comparisions
« Reply #22 on: January 21, 2019, 06:21:57 PM »
Yes. I had it twice with no interest. I think it has to be 2 years since closing first time.

I converted it to freedom unlimited about a year ago, wont work?

Offline chevron

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Re: 0% APR card comparisions
« Reply #23 on: January 21, 2019, 06:39:20 PM »
amex no go, I think bc my biz plat card may be behind

Offline chevron

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Re: 0% APR card comparisions
« Reply #24 on: January 21, 2019, 06:39:36 PM »
FICO is 719

Offline LoLo

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Re: 0% APR card comparisions
« Reply #25 on: January 21, 2019, 07:00:28 PM »
amex no go, I think bc my biz plat card may be behind
Check here for the reason: https://www262.americanexpress.com/eaol/welcome.do

Offline chevron

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Re: 0% APR card comparisions
« Reply #26 on: January 22, 2019, 01:05:29 PM »
Check here for the reason: https://www262.americanexpress.com/eaol/welcome.do

They are using my FICO from one month ago

Offline chevron

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Re: 0% APR card comparisions
« Reply #27 on: January 22, 2019, 09:26:46 PM »
what # to call for amex recon?

Offline LoLo

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Re: 0% APR card comparisions
« Reply #28 on: January 22, 2019, 09:42:14 PM »
https://www.doctorofcredit.com/credit-cards/credit-card-reconsideration-line-telephone-numbers/

They don't have a proper recon dep that you can talk to, they can resubmit your application for a manual review with a new hard pull.

Offline Pad18

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Re: 0% APR card comparisions
« Reply #29 on: January 23, 2019, 08:50:37 AM »