So, I just took advantage of a Balance Transfer option on discover, to transfer a 4k balance from my NFCU account, which was from an unexpected repair of our septic system.
How many others have this same offer on the table for their Discover accounts? Does it seem like a pretty good deal to you?
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
How is your Discover a hidden TL?
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
At first I had the 6 month deal showing... after a week or so, it changed to the 12 month deal... but I didn't have a lot of available limit on the card. So I paid it to a zero balance to maximize the capability of the card for the BT.
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
@webhopper wrote:How is your Discover a hidden TL?
I could tell ya... but I'd have to kill ya ;-) sometimes you luck out
@Anonymous wrote:
@webhopper wrote:How is your Discover a hidden TL?
I could tell ya... but I'd have to kill ya ;-) sometimes you luck out
The 12 month 0 interest came with a 5% fee for me... The only CC I have with no fee BTs is NFCU, which is a great card, and the no balance transfer fees great feature of this card. NFCU Visa also has a great APR of 14% (my lowest).
My fiance's APR is 12% on the Platinum with no balance transfer fees.
In my opinion, a one time BT fee of 5% to carry a balance for 12 months with no interest... I agree that carrying a balance is aweful, but if you must carry a balance, then I don't think this is too bad of a deal.
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!