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

Re: Citi BT offer typo?

 


marinevietvet wrote:

 


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".


I haven't carried a balance in years, but I still get checks in the mail almost every week.  BOA, Citi and Chase.  I always save the most recent ones "just in case". :smileyhappy:

 

Frequent Contributor
OnTheRebound
Posts: 425
Registered: ‎08-05-2009

Re: Citi BT offer typo?


marinevietvet wrote:

 


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".


It will be a very cold day when I carry a balance (I learned my lesson many years ago) but if there ever came a daywhen I really needed to transfer a balance they probably will deny for having too many balances! LOL

Mine- Citi Diamond Preferred WMC $12K / 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

"Four out of five voices in my head told me to "go for it". I went for it."
Regular Contributor
larinoriani
Posts: 182
Registered: ‎10-23-2010

Re: Citi BT offer typo?


marinevietvet wrote:

 


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".


There are several different 0% BToffers from CITI out there at the moment, one being until 1/1/2012 and other  for 21 months. I received 3 pre-selected offers in a week time frame, went ahead and app'd online for the one until 1/1/12 because the APR tiers were better,  and got instantly approved for $8,700.00.


Starting Score: EQ 737--TU 742
Nov/2010: EQ 737--TU 742
Nov/2011: TU 753
Goal Score: EQ 800--TU 800


Take the FICO Fitness Challenge
Regular Contributor
larinoriani
Posts: 182
Registered: ‎10-23-2010

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?


They will try anything to convert you!:smileyvery-happy:


Starting Score: EQ 737--TU 742
Nov/2010: EQ 737--TU 742
Nov/2011: TU 753
Goal Score: EQ 800--TU 800


Take the FICO Fitness Challenge
Super Contributor
DI
Posts: 5,767
Registered: ‎01-28-2008

Re: Citi BT offer typo?

These are my offers from Citi:

 

  • 1.99% Promo APR for 12 months
  • 15.99% Variable APR After 12 months

on Balance Transfers

Moderator Emeritus
psychic
Posts: 1,518
Registered: ‎04-20-2007

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?


 

I also received the same offer, krystofur!

 

EQ 814 / TU 815 / EX 842

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