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Frequent Contributor
Posts: 387
Registered: ‎08-10-2007
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Citi BT offer typo?

I just received a BT offer from Citi, 0% until Jan 2012!  Of course there is the 3% BT fee, but even a few years ago when things were good with BT offers I was only seeing 12-18 month offers.  Anyone else get this offer?

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Posts: 15,075
Registered: ‎07-14-2009
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Re: Citi BT offer typo?

 


krystofur wrote:

I just received a BT offer from Citi, 0% until Jan 2012!  Of course there is the 3% BT fee, but even a few years ago when things were good with BT offers I was only seeing 12-18 month offers.  Anyone else get this offer?


 

Counting this month that is only 14 months. Unless you meant a longer time than1/2012?

 

 

 

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Moderator Emeritus
Posts: 16,373
Registered: ‎03-12-2007
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Re: Citi BT offer typo?

My offers have been for 12 months or less. 14 months is pretty darn good, tho.

Credit Profile -
FICO 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1

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Posts: 15,075
Registered: ‎07-14-2009
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Re: Citi BT offer typo?

 


fused wrote:

My offers have been for 12 months or less. 14 months is pretty darn good, tho.


I agree but I've seen posts mentioning a 21 month BT offer from Citi so that's why I was wondering if the 1/2012 expiration was correct.

 

 

 

 

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Moderator Emeritus
Posts: 16,373
Registered: ‎03-12-2007
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Re: Citi BT offer typo?

21 months, WOW!!!!!! I'm not worthy. LOL!

Credit Profile -
FICO 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1

Frequent Contributor
Posts: 387
Registered: ‎08-10-2007
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Re: Citi BT offer typo?

No, I'm an idiot.  Wasn't doing the mental math properly. :smileyhappy:  Guess the typo was on  my end!

Moderator
Posts: 15,075
Registered: ‎07-14-2009
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Re: Citi BT offer typo?

 


krystofur wrote:

No, I'm an idiot.  Wasn't doing the mental math properly. :smileyhappy:  Guess the typo was on  my end!


As fused said though 14 months is still a pretty good offer. It's something to think about.

 

 

 

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Moderator
Posts: 15,075
Registered: ‎07-14-2009
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Re: Citi BT offer typo?

If anyone wants to do an internet search just type in "citi 21 month balance transfer offer".

 

 

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Frequent Contributor
Posts: 487
Registered: ‎08-05-2009
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Re: Citi BT offer typo?

 

When I opened my Citi Plat. Select MC a few months ago the offer was 15 months 0% balance transfer and purchases. I have no use for balance transfers but I did take advantage of 0% purchase offer.

 

Citi is really encouraging me to use the balance transfer with emails, snail mail and now they are sending me checks.

 

Does a creditor not know by my credit reports that I don't carry balances?

Mine- Amex BCE $11.1 / Citi Diamond Preferred WMC $12K / Citi Double Cash WMC $3.8K / Comenity Total Rewards Visa $2.5K / Citi Home Depot $5K / DW's- I'm AU on most- Amex BCP $12K / Chase Freedom Visa $11014.00 / PenFed Platinum Rewards Visa Signature $6K / Citi Simplicity MC $4.4K / GE Lowes $10K / GE CareCredit $5K
myFico Scores as of 10/03/2014
Equifax 798 / Experian 811 / TransUnion 814
Moderator
Posts: 15,075
Registered: ‎07-14-2009
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Re: Citi BT offer typo?

 


OnTheRebound wrote:

 

When I opened my Citi Plat. Select MC a few months ago the offer was 15 months 0% balance transfer and purchases. I have no use for balance transfers but I did take advantage of 0% purchase offer.

 

Citi is really encouraging me to use the balance transfer with emails, snail mail and now they are sending me checks.

 

Does a creditor not know by my credit reports that I don't carry balances?


Of course they do but that won't stop them from encouraging you to hopefully carry balances from month to month at some point in the future.  :smileyhappy:

 

 

 

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

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