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Chase and Balance Transfers?

Valued Contributor

Chase and Balance Transfers?

For some reason, my account isn't eligible for BT offers. Does Chase ever do any? My CSP has had one offer last year but none before or after. Just wondering if this is common with Chase.

13 REPLIES
Moderator

Re: Chase and Balance Transfers?


mxp114 wrote:

For some reason, my account isn't eligible for BT offers. Does Chase ever do any? My CSP has had one offer last year but none before or after. Just wondering if this is common with Chase.


I don't know for certain, but Chase has a product specifically designed for BT's, the Slate, unlike others (NFCU/DCU as examples) which seem to offer at random intervals across their cards.

 

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Valued Contributor

Re: Chase and Balance Transfers?

Chase definitely has BT offers. I received a BT offer for my CSP that expires 2/28/2013 (they sent checks and emailed the offer). It is a 0% BT through 3/12/14 (14mos) with a BT fee of either $5 or 2% of transaction, whichever is higher.

 

Corrected the date Smiley Happy


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (4), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 801; TU MyFico: 799; EX (My Fico): 797
Valued Contributor

Re: Chase and Balance Transfers?

3/12/14??

They do offer them but depends on the card I guess. My freedom has an into rate for the first 13 months with 3% fee. 0% interest and normal 22.9 after that
Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


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Super Contributor

Re: Chase and Balance Transfers?

I was offered a 0% for 12 months or 1.99% for 18 months with a 2% transfer/check fee.  

Valued Contributor

Re: Chase and Balance Transfers?

Im sure a friendly phone call will get you taken care of.

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Valued Contributor

Re: Chase and Balance Transfers?


mxp114 wrote:

For some reason, my account isn't eligible for BT offers. Does Chase ever do any? My CSP has had one offer last year but none before or after. Just wondering if this is common with Chase.


Same thing here...I thought it was just me.  Not that I mind because my APR is relatively high compared to other cards, but I do have a BT link on my account and whenever I click it, I'll see the "not eligible" notation.  

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Valued Contributor

Re: Chase and Balance Transfers?

If you don't have enough credit or your limit is low they won't offer anything. I called and asked once

In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
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Valued Contributor

Re: Chase and Balance Transfers?


afbar1114 wrote:
If you don't have enough credit or your limit is low they won't offer anything. I called and asked once

My limit is over $5K and I have almost the full limit to use so this definitely wouldn't apply in my situation.

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Valued Contributor

Re: Chase and Balance Transfers?


afbar1114 wrote:
If you don't have enough credit or your limit is low they won't offer anything. I called and asked once

Hmmm....I have $15K in CL on 2 cards (CSP and JPM Select)  with a $5K CLI coming up on JPM, and have the same response to the BT button selection, that it's not available at this time.  Credit history goes back well over 20 years.  As with anything credit related, I guess YMMV. 

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