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Valued Contributor
Posts: 2,084
Registered: ‎07-17-2012
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Cap 1 0% BT offer disappeared after using it once

Many of my Cap 1 accounts have had 0% BT offers for a long time.  They were a constant.  Then they all disappeared after I took advantage of the offer once.  Has anyone else experienced this? 

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $16,400. / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / Penney - $10,000 / Barclay Apple Rewards - $4000 / Merrick - $2500


EQ - 740 / TU - 748 / EX - 748
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Posts: 4,264
Registered: ‎11-11-2015
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Re: Cap 1 0% BT offer disappeared after using it once

[ Edited ]

masscredit wrote:

Many of my Cap 1 accounts have had 0% BT offers for a long time.  They were a constant.  Then they all disappeared after I took advantage of the offer once.  Has anyone else experienced this? 


I have used the 18 month 0% with a 2% fee a few times and have always paid off within 6 months. Then when I wanted to use again I logged on to check for offers. There would be none. Then I would log on to my online Cap1 account a day or so later and a 18 month bt offer with 2% would show up on a big screen before taking me to my account information. That has happened twice.

 

How long did it take you to payoff the bt with them?

 

 

AMEX BCP $9000- DCU Platinum $10000- PenFed Power $11000- Chase FU $11700- AMEX EDP $15000- NFCU CLOC $15000- Chase CSP $18900- Discover IT Miles $20000- Penfed Promise $25000- NFCU Go Rewards $27100- Venture $27750 **As of 10/17/17** EX- 760(13) TU- 759(12) EQ- 730(14) UTI 5%- Clean Files
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Re: Cap 1 0% BT offer disappeared after using it once

I recently moved so I had a bunch of expenses.  My plan was to use a couple of my cards for those then BT the balances to Cap 1 (0% plus BT fee).  I'd slowly pay them down while waiting for the house to sell then pay them off. I did one transfer without a problem (about $4900). I went to do the next (bigger) one a few weeks later and found the offers to be gone. That wasn't supposed to happen!  Now I'm looking for another card with a good BT offer and might provide me with a SL high enough to take care of the final transfer ($8500).

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $16,400. / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / Penney - $10,000 / Barclay Apple Rewards - $4000 / Merrick - $2500


EQ - 740 / TU - 748 / EX - 748
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Posts: 4,264
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Re: Cap 1 0% BT offer disappeared after using it once


masscredit wrote:

I recently moved so I had a bunch of expenses.  My plan was to use a couple of my cards for those then BT the balances to Cap 1 (0% plus BT fee).  I'd slowly pay them down while waiting for the house to sell then pay them off. I did one transfer without a problem (about $4900). I went to do the next (bigger) one a few weeks later and found the offers to be gone. That wasn't supposed to happen!  Now I'm looking for another card with a good BT offer and might provide me with a SL high enough to take care of the final transfer ($8500).


What were the terms of the Cap1 bt you used before and how long did it take you to pay it off?

AMEX BCP $9000- DCU Platinum $10000- PenFed Power $11000- Chase FU $11700- AMEX EDP $15000- NFCU CLOC $15000- Chase CSP $18900- Discover IT Miles $20000- Penfed Promise $25000- NFCU Go Rewards $27100- Venture $27750 **As of 10/17/17** EX- 760(13) TU- 759(12) EQ- 730(14) UTI 5%- Clean Files
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Posts: 2,084
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Re: Cap 1 0% BT offer disappeared after using it once


donny10 wrote:

masscredit wrote:

I recently moved so I had a bunch of expenses.  My plan was to use a couple of my cards for those then BT the balances to Cap 1 (0% plus BT fee).  I'd slowly pay them down while waiting for the house to sell then pay them off. I did one transfer without a problem (about $4900). I went to do the next (bigger) one a few weeks later and found the offers to be gone. That wasn't supposed to happen!  Now I'm looking for another card with a good BT offer and might provide me with a SL high enough to take care of the final transfer ($8500).


What were the terms of the Cap1 bt you used before and how long did it take you to pay it off?


I did it in May so I've only made one payment. It's either 12 or 18 months at 0%. 

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $16,400. / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / Penney - $10,000 / Barclay Apple Rewards - $4000 / Merrick - $2500


EQ - 740 / TU - 748 / EX - 748
Senior Contributor
Posts: 4,264
Registered: ‎11-11-2015
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Re: Cap 1 0% BT offer disappeared after using it once


masscredit wrote:

donny10 wrote:

masscredit wrote:

I recently moved so I had a bunch of expenses.  My plan was to use a couple of my cards for those then BT the balances to Cap 1 (0% plus BT fee).  I'd slowly pay them down while waiting for the house to sell then pay them off. I did one transfer without a problem (about $4900). I went to do the next (bigger) one a few weeks later and found the offers to be gone. That wasn't supposed to happen!  Now I'm looking for another card with a good BT offer and might provide me with a SL high enough to take care of the final transfer ($8500).


What were the terms of the Cap1 bt you used before and how long did it take you to pay it off?


I did it in May so I've only made one payment. It's either 12 or 18 months at 0%. 


You most likely won't be offered another until the one you have now is significantly paid down. Or, paid off.

AMEX BCP $9000- DCU Platinum $10000- PenFed Power $11000- Chase FU $11700- AMEX EDP $15000- NFCU CLOC $15000- Chase CSP $18900- Discover IT Miles $20000- Penfed Promise $25000- NFCU Go Rewards $27100- Venture $27750 **As of 10/17/17** EX- 760(13) TU- 759(12) EQ- 730(14) UTI 5%- Clean Files
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Registered: ‎07-17-2012
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Re: Cap 1 0% BT offer disappeared after using it once

And just like that, they came back to my 3 accounts. I still have a healthy balance on one of my cards ($4900 / $15K)

 

Transfer a balance to your credit card at 0% APR for 18 months with a 3% transfer fee. After that, you will be charged the APR for Purchases, currently 13.99% variable. 

 

Transfer a balance to your credit card at 0% APR for 18 months with a 2% transfer fee. After that, you will be charged the APR for Purchases, currently 13.99% variable.

 

Transfer a balance to your credit card at 0% APR for 12 months with a 2% transfer fee. After that, you will be charged the APR for Purchases, currently 20.9% variable.

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $16,400. / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / Penney - $10,000 / Barclay Apple Rewards - $4000 / Merrick - $2500


EQ - 740 / TU - 748 / EX - 748
Senior Contributor
Posts: 4,264
Registered: ‎11-11-2015

Re: Cap 1 0% BT offer disappeared after using it once


masscredit wrote:

And just like that, they came back to my 3 accounts. I still have a healthy balance on one of my cards ($4900 / $15K)

 

Transfer a balance to your credit card at 0% APR for 18 months with a 3% transfer fee. After that, you will be charged the APR for Purchases, currently 13.99% variable. 

 

Transfer a balance to your credit card at 0% APR for 18 months with a 2% transfer fee. After that, you will be charged the APR for Purchases, currently 13.99% variable.

 

Transfer a balance to your credit card at 0% APR for 12 months with a 2% transfer fee. After that, you will be charged the APR for Purchases, currently 20.9% variable.


Good deal. After you hit the "transfer a balance" a few times, it always re-appears.

AMEX BCP $9000- DCU Platinum $10000- PenFed Power $11000- Chase FU $11700- AMEX EDP $15000- NFCU CLOC $15000- Chase CSP $18900- Discover IT Miles $20000- Penfed Promise $25000- NFCU Go Rewards $27100- Venture $27750 **As of 10/17/17** EX- 760(13) TU- 759(12) EQ- 730(14) UTI 5%- Clean Files
Valued Contributor
Posts: 2,084
Registered: ‎07-17-2012
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Re: Cap 1 0% BT offer disappeared after using it once

The only offer I had for a few months is the one to transfer a balance at the card's APR. I ended up getting a PenFed card to do a BT because I had a plan that fell apart when the Cap 1 0% offer disappeared.  They were giving me that one forever!

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $16,400. / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / Penney - $10,000 / Barclay Apple Rewards - $4000 / Merrick - $2500


EQ - 740 / TU - 748 / EX - 748

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