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New Member
Posts: 1
Registered: ‎12-05-2009
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0% BT credit cards

Are there still any 0% or just low balance transfer credit cards out there anymore? I have a FICO of 686.  I have 8 cards totaling 28K in credit card debt, but one card of 11K is going up to 24% in 2 months.  What to do or where to turN? 


Super Contributor
Posts: 5,759
Registered: ‎01-28-2008
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Re: 0% BT credit cards

[ Edited ]
You want to try a credit union. But I don't know of  any CU that offer 0% BT.  However, they do offer smaller BT rates for the life of the balance.  Try PenFed.

Message Edited by DI on 12-05-2009 11:51 AM
Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
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Re: 0% BT credit cards

Addison Avenue CU has a 3.9% BT through 12/2010 with no BT fees, and 5.24% regular rate.


PenFed has a 4.99% BT for 24 months with $100 max fee, regular rate of 13.25%.


PSECU has a 3.9% BT through 12/2010 no BT fees, regular rate 9.9%.


NFCU has no special BT rate, but does have a regular rate as low as 7.9% with no cash or BT fees.


USAA has no special BT rate, but does have a regular rate as low as 8.9% with max $75 BT fee.





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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
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Super Contributor
Posts: 5,815
Registered: ‎10-06-2007
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Re: 0% BT credit cards

I would also look at a CU or possibly National City.  They pull TU as far as I know.


IMHO with 28k  of CC debt, I would look into a DMP program which would lower your interest rates.

10/17/2017 FICO: EQ 829 TU 830 EX 826

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