Author Topic: Looking for cc with 0% balance transfer fee + 0% transaction fee (Read 5943 times)

sddd · « **on:** January 20, 2016, 02:51:24 PM »

Looking for cc with 0% balance transfer fee + 0% transaction fee

im a newbie to this sort if thing. Does it exist?

Also, how much of a dent will a large balance transfer make on my credit score

cubicles · « **Reply #1 on:** January 20, 2016, 02:52:38 PM »

slate

HolyNyc · « **Reply #2 on:** January 20, 2016, 02:53:04 PM »

Quote from: sddd on January 20, 2016, 02:51:24 PM

Looking for cc with 0% balance transfer fee + 0% transaction fee

im a newbie to this sort if thing. Does it exist?

Also, how much of a dent will a large balance transfer make on my credit score

Chase slate for the first 60 days

SearchGuy · « **Reply #3 on:** January 20, 2016, 02:53:23 PM »

Quote from: cubicles on January 20, 2016, 02:52:38 PM

slate

+1 and the thread can be closed here, since AFAIK it's the only one

cubicles · « **Reply #4 on:** January 20, 2016, 02:55:22 PM »

Quote from: sddd on January 20, 2016, 02:51:24 PM

Also, how much of a dent will a large balance transfer make on my credit score

30%

sddd · « **Reply #5 on:** January 20, 2016, 03:29:57 PM »

Thanks guys....

30% is a huge credit score hit

and 2 months is pretty weak

guess its not the greatest idea...

voldemort · « **Reply #6 on:** January 20, 2016, 03:35:23 PM »

Quote from: sddd on January 20, 2016, 03:29:57 PM

Thanks guys....

30% is a huge credit score hit

and 2 months is pretty weak

guess its not the greatest idea...

Two months is the time you have to transfer a balance without a transaction fee. Anything transfered after that incurs a 3% fee. The 0% apr is good for 15 months.

David Smith · « **Reply #7 on:** January 20, 2016, 03:42:18 PM »

Quote from: sddd on January 20, 2016, 03:29:57 PM

Thanks guys....

30% is a huge credit score hit

It's not going to knock your score down 30%. It means that utilization is a 30% factor in determining your score. What really matters as far as your score is concerned is what percentage of the credit line on that card the balance transfer is.

rsm1444 · « **Reply #8 on:** January 20, 2016, 03:49:11 PM »

I am authorized user on my spouse Amex account. If i open chase slate account. can i do balance transfer to pay off.

cubicles · « **Reply #9 on:** January 20, 2016, 03:53:49 PM »

David R · « **Reply #10 on:** January 22, 2016, 03:03:48 AM »

DCU till end of this month.

https://www.dcu.org/mobile/whats-new/zero-percent-balance-transfer-mobile.html

sky121 · « **Reply #11 on:** January 22, 2016, 08:21:27 AM »

Any chance of someone with two year credit history and low fico getting approved for any 0% interest card?

emjee · « **Reply #12 on:** January 22, 2016, 08:24:46 AM »

Quote from: sky121 on January 22, 2016, 08:21:27 AM

Any chance of someone with two year credit history and low fico getting approved for any 0% interest card?

There's a chance. Where do u have a cc from? How low we talking of a score?

sky121 · « **Reply #13 on:** January 22, 2016, 08:35:03 AM »

Quote from: emjee on January 22, 2016, 08:24:46 AM

There's a chance. Where do u have a cc from? How low we talking of a score?

They have an Old Navy card and two others but I'm not sure what banks they are. And I think it was low 500s unfortunately.

PillanSmye · « **Reply #14 on:** January 22, 2016, 12:57:04 PM »

Quote from: David R on January 22, 2016, 03:03:48 AM

DCU till end of this month.

https://www.dcu.org/mobile/whats-new/zero-percent-balance-transfer-mobile.html

+1

Other than the Slate (with it's notoriously low starting limits) CU's are the places to look for these offers.

Venilla · « **Reply #15 on:** January 22, 2016, 03:45:19 PM »

Quote from: David R on January 22, 2016, 03:03:48 AM

DCU till end of this month.

https://www.dcu.org/mobile/whats-new/zero-percent-balance-transfer-mobile.html

The 0% APR is only for six months.

sddd · « **Reply #16 on:** January 24, 2016, 05:02:58 PM »

any other cards with 0% bt i hear slate is very stingy with CLs

also if i do a bt away from amex, does that negatively impact my standing with them? do they even know the source of the money is a bt?

TIA

emjee · « **Reply #17 on:** January 24, 2016, 05:55:24 PM »

AFAIK BT doesn't make a difference with amex

Venilla · « **Reply #18 on:** January 24, 2016, 09:36:18 PM »

Quote from: sddd on January 24, 2016, 05:02:58 PM

any other cards with 0% bt i hear slate is very stingy with CLs

TIA

If you have any other Chase CCs you should be able to transfer that CL to the Slate.

ABC · « **Reply #19 on:** January 26, 2016, 05:44:00 AM »

I hear there are people that could get you $100k credit limit on cards with no APR for 12-24 months.
He didn't tell me which cards I think there's citi cards...
I called someone yesterday he wants 10% of the limit he gets me.

I was wondering if someone knows how they do it.