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My partner used a refer for Discover and got the 15 months 0% on BT... not sure if it was something different... I would just check... I just assumed they all had the 0% unless they offer you different terms based on credit not qualifying for best.
What are these posts about citi unlikely or harder?
my partner used the citi pre-qual and was offered simplicity and took it and got an instant $8500 with 18 months 0%.
Discover was also pretty much instant but only $4500
check citi pre-qual. They are also easier for CLI later down the road.
I just noticed both Discover IT and Citi Simplicity have a 3% fee. Since I'll be transferring high balances (total around $8,000), the fee would be $240.
Is there any card which doesn't have a BT fee?
Citi Diamond Preferred also has a 18 months BT offer.
Is it a good card?
@cowboyguy wrote:Citi Diamond Preferred also has a 18 months BT offer.
Is it a good card?
It is a good card. TBH it seems almost the same as Simplicity. I would just go with the Simplicity since there's a 21 month offer.
There is always a trade-off with Discover cards. You either get the longest period of 0% APR, or you get the maximum cashback bonus, but you never get both. I believe you can still get a $200 sign-up bonus with 6 months of 0% APR, or 18 months of 0% APR without a sign-up bonus. The standard seems to be 14 months of introductory APR and $50-$75.