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Moderator Emeritus
Posts: 3,417
Registered: ‎12-27-2007
0

Finally a decent BT offer.... or not?

[ Edited ]

Cap One just sent me two blue checks (and two reds).  Of course they do this weekly, but this week the blue checks have a 0% BT for the life of the transfer w/ their standard 50 fee. 

 

Not bad!!!

Message Edited by WhirledPeasPlease on 04-18-2009 01:16 PM
~*~*~*~*~*~*~*~*~*~*~
From 700 in 2008 to 498 in 2012...
4/23/12 -- BK 13 date of filing EQ = 505
4/18/12 -- EQ 498
12/5/13 -- EQ 669
Here we go.... back on track.
Valued Contributor
Posts: 3,017
Registered: ‎06-03-2008
0

Re: Finally a decent BT offer

That does sound like a good one!
Moderator Emeritus
Posts: 1,518
Registered: ‎04-20-2007
0

Re: Finally a decent BT offer

That's an outstanding offer!

 

I haven't received a life of the transfer offer in a long time!

EQ 814 / TU 815 / EX 842
Moderator Emeritus
Posts: 3,417
Registered: ‎12-27-2007
0

Re: Finally a decent BT offer

I swear I have no idea why CapOne likes me.  Card turned 1 in Jan.  Started at 3k, now sits at 5250.  APR is 10.4 (or 10.14 -- can't remember). 

 

I've paid 1 BT fee, 2 AFs (19 each) and about a dollar in finance charges. 

~*~*~*~*~*~*~*~*~*~*~
From 700 in 2008 to 498 in 2012...
4/23/12 -- BK 13 date of filing EQ = 505
4/18/12 -- EQ 498
12/5/13 -- EQ 669
Here we go.... back on track.
Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
0

Re: Finally a decent BT offer

They send me the no BT fee and reduced or regular purchase rate APR's.  I don't think I have gotten the 0% checks.  But they have never charged me a BT fee.  APR is I think 10.24. 

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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Valued Contributor
Posts: 1,671
Registered: ‎05-24-2007
0

Re: Finally a decent BT offer

I have one CapOne that is about at the end of the first year 0% interest on BT and purchases. It does not state what rate is after that but if it is 2 digit, then it gets PIFed.

 

Other CapOne is about at end of 1 year 0%, 3% fee deal then goes to 5.99%.

 

I think both are reasonable and am pleased with Capital One.

Established Contributor
Posts: 645
Registered: ‎10-24-2007
0

Re: Finally a decent BT offer

Received the same 0% for life of loan checks today.  Card thas been stuck at $4500 for a couple of years though, and right now I have $1800 parked on it at 3.9% for life.
Moderator Emeritus
Posts: 3,417
Registered: ‎12-27-2007
0

Re: Finally a decent BT offer

Soo...  if it sounds too good to be true, it probably is.

 

I rec'd a letter from Cap1 yesterday that the blue checks I recently received contained an error and are now invalid.  According to them they should have said, "Zero APR for 6 months, then your regular purchase APR".  I was really irked, as I was planning on going to the bank today to deposit one of the blue checks.

 

Cap1 -- you're skating on thin ice.

 

They did mention that I should call if I've already used the check (sadly, no) or destroy the unused checks.  What a bunch of jerks.

~*~*~*~*~*~*~*~*~*~*~
From 700 in 2008 to 498 in 2012...
4/23/12 -- BK 13 date of filing EQ = 505
4/18/12 -- EQ 498
12/5/13 -- EQ 669
Here we go.... back on track.
Regular Contributor
Posts: 169
Registered: ‎05-10-2008
0

Re: Finally a decent BT offer

I received those checks a few weeks ago and I also received that letter yesterday.  Good thing I didn't use the checks.  Anything that's too good to be true, usually is.
Established Contributor
Posts: 720
Registered: ‎05-04-2007
0

Re: Finally a decent BT offer


WhirledPeasPlease wrote:

Soo...  if it sounds too good to be true, it probably is.

 


It kinda had to be. In this economic climate, a bank who just reported a default rate near 10% is not going to hand out potential multi-year loans at 0%. Smiley Happy

 

Unfortunately ...

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