Reply
Regular Contributor
Blackbeauty212
Posts: 142
Registered: ‎03-08-2012

DUCK CARD BT's

I app'd for the Duck Card strictly for the 0% BT, I have no plans to really use this card other than BT's.  I filled out the BT request on the App to transfer ~3K from my Citi TYP that's expiring at the end of NOV. 

 

Anyone else approved for the Duck card, filled out the BT fields can confirm how long it took (or if you're still waiting) for the BT to complete. I have no doubt that I will make the deadline before my TYP 0% expires. I just want to get a time frame of how long it takes, I hear CUs take longer for BT to complete because a lot time they have to cut an actual Check as a opposed to electronincally sending it like the Big Boys.

 

I know the BT I did when I first opened the TYP, Citi had those BT's completed around the same time I got my card. I don't expect OCCU to be just as fast, but it would be nice.  

Established Contributor
emptypockets
Posts: 934
Registered: ‎02-03-2009

Re: DUCK CARD BT's

[ Edited ]

I think they actually send a check to the other CC company. I also apped for a BT. I think my original app date was 10/7 - They sent a letter stating that they approved the BT (and the amount). I got this letter the same day the letter with my credit score came (approx 10/12) .Then I received a letter yesterday (letter was dated 10/14) stating that they sent the check to my other CC, and it should arrive within 10 days, so hopefully, they will get paid by 10/24. As of today, the payment  for the BT has not yet posted.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Nordstrom Visa,US Bank Cash+, Chase (5), Huntington Voice, UMB Visa, Dillard's AMEX, Barclay's Visa, Citi (4), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, Macy's AMEX; Several store cards.

Current Scores: EQ (6/14): 800; TU MyFico (6/14): 814; Walmart TU Fico 08 (6/2/2014): 817; EX (6/14): 775
Regular Contributor
Blackbeauty212
Posts: 142
Registered: ‎03-08-2012

Re: DUCK CARD BT's

[ Edited ]
GTK - Thanks.....Could you come back once the BT is complete to give an idea of exactly how long they take...
Established Contributor
emptypockets
Posts: 934
Registered: ‎02-03-2009

Re: DUCK CARD BT's

FYI - I just checked and the payment for my BT posted this morning.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Nordstrom Visa,US Bank Cash+, Chase (5), Huntington Voice, UMB Visa, Dillard's AMEX, Barclay's Visa, Citi (4), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, Macy's AMEX; Several store cards.

Current Scores: EQ (6/14): 800; TU MyFico (6/14): 814; Walmart TU Fico 08 (6/2/2014): 817; EX (6/14): 775
Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008

Re: DUCK CARD BT's

Will they send blank checks to BT or online transaction to BT?

$100K in Credit
Last Credit Card App: 11/16/13
Established Contributor
emptypockets
Posts: 934
Registered: ‎02-03-2009

Re: DUCK CARD BT's

[ Edited ]

The letter the sent said they mailed a check to the creditors, but I put in for the BT when apping for the card. I haven't looked online to see how they will do BT's going forward (sending checks or online only).


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Nordstrom Visa,US Bank Cash+, Chase (5), Huntington Voice, UMB Visa, Dillard's AMEX, Barclay's Visa, Citi (4), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, Macy's AMEX; Several store cards.

Current Scores: EQ (6/14): 800; TU MyFico (6/14): 814; Walmart TU Fico 08 (6/2/2014): 817; EX (6/14): 775
Regular Contributor
Blackbeauty212
Posts: 142
Registered: ‎03-08-2012

Re: DUCK CARD BT's


emptypockets wrote:

The letter the sent said they mailed a check to the creditors, but I put in for the BT when apping for the card. I haven't looked online to see how they will do BT's going forward (sending checks or online only).


Got my card this past Friday, and set my online account up only to find out the only way to do a BT after recieving the card, is by Phone with a rep.....OCCU really is not up on technology in this regard.... and all BTs are send via Paper Check to the other CC's.. Nothing is sent electronically. 

 

I consider it a trade-off for having a nice High Limit, and a 0% for a year. 


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+