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Capital One 6.99% apr for 48 Months Balance Transfer

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baller4life
Super Contributor

Capital One 6.99% apr for 48 Months Balance Transfer

Has anyone else received this email offer from Capital One? Pretty sweet offer that I have never seen before. 

2016-03-26 14.12.58-1.jpg

Message 1 of 76
75 REPLIES 75
myjourney
Super Contributor

Re: Capital One 6.99% apr for 48 Months Balance Transfer

Ummm Baller you know I luv you right? Heart

 

I got one last week or week before that was 5.99% 

Don't shoot the messenger ...Lol

They must be making the promo rounds for sure 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 76
gh17
Frequent Contributor

Re: Capital One 6.99% apr for 48 Months Balance Transfer

I feel like there are a lot of 0% offers out there that wouldn't make this too worth it?

 

I've been getting some good ones on Barclays lately, 1% fee for 0% rate for 18 months (no new card or anything), I actually used that towards some student loans.

BofA Cash Rewards 25,000 (2009) | Citi Double Cash 25,000 (2011) | Cap1 Quicksilver 10,000 (2013) | Discover It 31,000 (2014) | Chase Freedom 9000 (2014) | Barclaycard Rewards 25,000 (2014)

FICO: 840 Discover/Barclays/BofA TU, 869 Citi Equifax
Message 3 of 76
UncleB
Credit Mentor

Re: Capital One 6.99% apr for 48 Months Balance Transfer

That is definitely one I've not seen yet!  Smiley Surprised

 

Just a little while ago (literally) I got an email offer from them, but it's only the 'standard' 0% for 12 months with a 3% fee.  I might end up using it later in the year, but I'm hoping for one without that annoying fee.  <fingers crossed>  LOL

Message 4 of 76
CreditMagic7
Mega Contributor

Re: Capital One 6.99% apr for 48 Months Balance Transfer

On this end from Capital One lately, from 3% now offers 2% fee for 0% rate for 18 months.

Message 5 of 76
redpat
Senior Contributor

Re: Capital One 6.99% apr for 48 Months Balance Transfer

LOL!  4 yr balance transfer.

 

 

 

 

Personal Cards: Amex Plat | Amex Delta Res | CSR | Citi AA Exec Business Cards: Ink+ | Amex BGR
Message 6 of 76
Anonymous
Not applicable

Re: Capital One 6.99% apr for 48 Months Balance Transfer

I just got a 0% for 12 months with a 3% fee. That's the first time I've gotten one like that. Looks like they stepping up their game a little.
Message 7 of 76
gh17
Frequent Contributor

Re: Capital One 6.99% apr for 48 Months Balance Transfer


@UncleB wrote:

That is definitely one I've not seen yet!  Smiley Surprised

 

Just a little while ago (literally) I got an email offer from them, but it's only the 'standard' 0% for 12 months with a 3% fee.  I might end up using it later in the year, but I'm hoping for one without that annoying fee.  <fingers crossed>  LOL


I get these too.  It seems to be random, I'll get a 3% fee one one day, then a month later get one with a 1% fee, and the next month get a 4% fee one, you have to really pay attention!  I think i've only gotten the 1% fee offer twice, and only used it once.  This is from Barclays.

BofA Cash Rewards 25,000 (2009) | Citi Double Cash 25,000 (2011) | Cap1 Quicksilver 10,000 (2013) | Discover It 31,000 (2014) | Chase Freedom 9000 (2014) | Barclaycard Rewards 25,000 (2014)

FICO: 840 Discover/Barclays/BofA TU, 869 Citi Equifax
Message 8 of 76
redpat
Senior Contributor

Re: Capital One 6.99% apr for 48 Months Balance Transfer


@Anonymous wrote:
I just got a 0% for 12 months with a 3% fee. That's the first time I've gotten one like that. Looks like they stepping up their game a little.

They want the 3% fees which equates to a 36% annual interest rate.  If that's stepping up their game then I'm out.

Personal Cards: Amex Plat | Amex Delta Res | CSR | Citi AA Exec Business Cards: Ink+ | Amex BGR
Message 9 of 76
baller4life
Super Contributor

Re: Capital One 6.99% apr for 48 Months Balance Transfer

6.99% for 4 yrs is like an awesome personal loan rate! Smiley Very Happy
Message 10 of 76
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