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Citi simplicity balance transfer

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Anonymous
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Citi simplicity balance transfer

Hi all,My balance transfer offer will expire soon on 12/20/2015 .Will citi extend my balance offer if I don't make the transfer on 12/20/2015 ?

 

Thanks in advance

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NRB525
Super Contributor

Re: Citi simplicity balance transfer

Typically with Citi, BofA, Discover, US Bank and likely a few others, once you get on their list of receiving BT offers, the offers keep showing up periodically.

 

If you have NOT taken any BT offer earlier, or just to keep their interest, you can do a small, toy BT that just converts the minimum fee amount. So if they charge a $10 minimum, or 3% fee, then you take a $300 BT offer, Just Because, then pay it back in a short amount of time (or take the full 0% period). By taking BT offers, you almost guarantee that you will receive other BT offers from that bank in the future.

 

I have taken a BT offer from every card I have which offers them, except for AMEX Centurion (because I could not figure it out) and I get renewed BT offers from all the cards.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
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