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Frequent Contributor
Posts: 387
Registered: ‎08-10-2007
0

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?

Moderator Emeritus
Posts: 17,409
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: 16,381
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 (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1


Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Moderator Emeritus
Posts: 17,409
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: 16,381
Registered: ‎03-12-2007
0

Re: Citi BT offer typo?

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

Credit Profile - FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1


Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Frequent Contributor
Posts: 387
Registered: ‎08-10-2007
0

Re: Citi BT offer typo?

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

Moderator Emeritus
Posts: 17,409
Registered: ‎07-14-2009
0

Re: Citi BT offer typo?

 


krystofur wrote:

No, I'm an idiot.  Wasn't doing the mental math properly. Smiley Happy  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 Emeritus
Posts: 17,409
Registered: ‎07-14-2009
0

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".

Established Contributor
Posts: 539
Registered: ‎08-05-2009
0

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?

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 / AU- Amex BCP $12K / Chase Freedom Visa $11014.00 / PenFed Platinum Rewards Visa Signature $6K / GE Lowes $10K
myFico Scores on 10/03/2014
Eq 798 / Exp 811 / Trans 814
CCT Fico 08 on 1/3/16 - Trans 786 / Exp 793 / Eq 797
Moderator Emeritus
Posts: 17,409
Registered: ‎07-14-2009
0

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.  Smiley Happy

 

 

 

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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