Credit Cards

[mgs2010]

I just got off the phone with a rep at the CitiCards Retention dept (the number listed on the backdoor list) and just asked to transfer a balance after checking online and seeing the "no offers avaliable" message, well...I got an offer for 1.99% for 12 months, then the regular purchase APR of 7.24V. Anyone with a citicard thats in good standing should call to see what they will give you, its definitely worth it. Now I can pay off my 6500 bank of america balance and sock drawer that 14.99% lousy credit card!

And, I just got approved for an auto loan refi to save interest on my car loan today. What a great day 09/09/09 turned out to be! Just wanted to share my excitement.

[plasticman]

Congratulations on both counts!

It is very rewarding to do some personal financial work and see it pay off in spades.

BTW... What is your interest % savings on the re-fi?

Message Edited by plasticman on 09-09-2009 09:32 PM

[creditwherecreditisdue]

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mgs2010 wrote:

I just got off the phone with a rep at the CitiCards Retention dept (the number listed on the backdoor list) and just asked to transfer a balance after checking online and seeing the "no offers avaliable" message, well...I got an offer for 1.99% for 12 months, then the regular purchase APR of 7.24V. Anyone with a citicard thats in good standing should call to see what they will give you, its definitely worth it. Now I can pay off my 6500 bank of america balance and sock drawer that 14.99% lousy credit card!

And, I just got approved for an auto loan refi to save interest on my car loan today. What a great day 09/09/09 turned out to be! Just wanted to share my excitement.

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Now you should go back to BofA and work them for a APRD.

Message Edited by creditwherecreditisdue on 09-10-2009 03:10 AM

[mgs2010]

my auto loan is currently at 12.62% and will be at 7.49% with Up2Drive, woo hoo!