Anyone received 0% check from Barclaycard?

[Anonymous]

I got 4 checks with 0% APR for 1 year and 2 years. What's the catch?

[Anonymous]

Are these personal checks for your CC?

[jasonkm1]

No catch; i've been getting them every month with my monthly statement for the past 3 years or so and used it about 3 times. it's good for 14 month interest free loans, just have to pay the 3% charge but i wouldn't call it a "catch"

[Anonymous]

3% is a deal breaker.

[Anonymous]

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@Anonymous wrote:

3% is a deal breaker.

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money is not loaned for free. What you get for a BT is effectively a 3% loan. Pay the fee up front, when your statement cuts. Deal breaker? Not really.

[Anonymous]

DH got 0% for 6 mp with 1% fee on SM

[takeshi74]

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@Anonymous wrote:
I got 4 checks with 0% APR for 1 year and 2 years. What's the catch?

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As always, read the terms.  Your checks came with them.

[Anonymous]

Why pay 3% up front to balance transfer? 3% up front is like 3 months worth of accrued interest on a 12% card. Get a new card with 0% interest and just pay off card with interest - load new card with charges.

[Imperfectfuture]

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@Anonymous wrote:

3% is a deal breaker.

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I used the 1% check for one year.

[Imperfectfuture]

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@Anonymous wrote:

Why pay 3% up front to balance transfer? 3% up front is like 3 months worth of accrued interest on a 12% card. Get a new card with 0% interest and just pay off card with interest - load new card with charges.

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Not everyone wants to get new card.