lhendricks92 said:Great list, great thread, but I have to nitpick.

markber said:5) Maximal fee for promo BT (not shown)

Why not shown? This is crucial for maximizing BT profits. For example, Chase cards generally have a BT fee of 3%, but the fee is capped at $75. BoA, on the other hand, also has many cards with 3% BT fees, but fees are uncapped.

CITI has 3% and uncapped fees...bastards!

Regarding the Citi bastards, go here Link and you'll have NO transfer fee's!

I have a big balance to transfer of $19K that my current 0% offer is ending at the end of next month. I currently have about 10 credit cards open with limits of $10 upwards of maybe $27K with BOA. I have Citi Cards, chase cards, BOA cards and Discover for the most part. Often times when I apply for a card they dont tell you the credit limit upfront, they approve your card, transfer a balance and I find out I have a $2500 credit limit. Does Citi, Chase, BOA or Discover currently have any offers where they will close one of my opening accounts to move that credit limit to a new card with a 0% offer or even easier are there any cards that are easy to get that will give me a $19K + limit with 0% for a year.

americano said:has anyone tried paying mortgage with 0%BT offers? Sorry if it is already discussed elsewhere, but I could not find it. please provide link.no but if you did, it'd be pretty stupid unless you could find a way to justify the rate you pay to the credit card company AFTER the promotional period ends..

americano said:goku2 said:no but if you did, it'd be pretty stupid unless you could find a way to justify the rate you pay to the credit card company AFTER the promotional period ends.. I am eyeing penfed 2.99 for life. am i missing something? and for my original question, what are the ways to achieve it?There are problems with those cards, for example some companies have simply refused to continue the offer, cancel the card, etc. etc. Also those $0.50 charges add up when there is a 20% charge applied to them, you MUST maintain the agreement for whatever the duration otherwise you're screwed, not to mention the fact that there could be a time where you can't charge $0.50 or $0.25 to the card for what ever reason and then you're stuck. ALSO those charges are NOT tax deductable so that is something to consider as well especially if you have a low rate mortgage.

Any recommendations on which of the card(s) are most likely to approve someone with little credit. My roommate is only 20 so doesn't have a ton of credit history. His scores are about 650. Unfortunately, he has about $7,000 on CC debt at an insane rate (20%) so if he can even get a 10% BT card, that's a huge improvement - I just don't want to have him apply for cards that are almost certain to reject him. Thanks!

Anybody knows any card out there that still offers 0% APR for 12months on BT with a max BT fee under $100? thanks!

ylegolas said:co ask
flyindance said:Anybody knows any card out there that still offers 0% APR for 12months on BT with a max BT fee under $100? thanks!

US BANK with NO BT Fee for 0% APR for 12 Months !

YMMV.
The following application page for Citi Professional Card still mentions 12-month BT offer with no BT fees. Here is a link to Terms and Conditions.

I am not sure if Citi would honor the terms though, considering that the standard offer for the Professional Card does not include a BT offer.

agent099 said:markber said:YMMV.
The following application page for Citi Professional Card still mentions 12-month BT offer with no BT fees. Here is a link to Terms and Conditions.

I am not sure if Citi would honor the terms though, considering that the standard offer for the Professional Card does not include a BT offer.


Has anyone tried this?

It seems like the 12 month 0%bt fee cards are now a thing of the past, right?

I applied for the card on 9/28/09 and got a card with different terms.

I sent the original terms to Citi by mail and am waiting to see if I can get them to honor the terms I applied for.