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My account with Barclays is now showing a 0% BT offer through 9/1/14, with only a 1% transfer fee (minimum $5).
I got so excited, and started looking at my spreadsheet to see where I could save some $$$!
Much to my surprise, I realized that the only balance I could transfer would only save me $35 in the long run (and that's only if I made min. pymts), and I would have to pay the minimum $5 fee to transfer it, as the 1% would really only be about $4. Guess I won't be using it.
Wow! This feels GOOD!
@pt310 wrote:My account with Barclays is now showing a 0% BT offer through 9/1/14, with only a 1% transfer fee (minimum $5).
I got so excited, and started looking at my spreadsheet to see where I could save some $$$!
Much to my surprise, I realized that the only balance I could transfer would only save me $35 in the long run (and that's only if I made min. pymts), and I would have to pay the minimum $5 fee to transfer it, as the 1% would really only be about $4. Guess I won't be using it.
Wow! This feels GOOD!
You did a wonderful job of thinking it through and weighing all options
Came up with the right decision as well
@SRAGS wrote:
Barclays card? what card it is.... baraclays world master card or NFL OR ring? thanks.
My card just says Barclayscard Rewards...it used to be Juniper until Barclays bought them out, then I PC'd to their reward card. (It is a MC)
For the last couple months the website said that BT offers were not available online, but I noticed today that it was up. Hopefully yours will have it too!
@myjourney wrote:
@pt310 wrote:My account with Barclays is now showing a 0% BT offer through 9/1/14, with only a 1% transfer fee (minimum $5).
I got so excited, and started looking at my spreadsheet to see where I could save some $$$!
Much to my surprise, I realized that the only balance I could transfer would only save me $35 in the long run (and that's only if I made min. pymts), and I would have to pay the minimum $5 fee to transfer it, as the 1% would really only be about $4. Guess I won't be using it.
Wow! This feels GOOD!
You did a wonderful job of thinking it through and weighing all options
Came up with the right decision as well
Thanks!
Just a couple months ago I had several $K on cards that were charging 21% +. Now my (lower) balances are mostly at 0%, with my highest at 14.99%, but it's less than $400, and will be gone soon! I'm so glad I found this forum. I finally feel that my money is working FOR me and not AGAINST me!
@SnackTrader wrote:
Congratulations!
This is the best post I have read today because it sounds like you have gained a level of credit AND financial responsibility from the forums.
Three cheers for getting rid of debt!
Thank you! I have gained SOOOO much from these forums, and am so happy to be here!
Which Barclay Card offered you the 1% transfer fee please?
I was going to ask how they come up with the fees but it might depend on what card it is.
I have their Apple Financing card. When I receive BT offers they are for 3.99%, a $10. fee or 4% of the amount of each transaction up to $99. If it's going to be multiple transactions that would have a fee total of more than that, it would be best to just deposit one check in your account then go from there.