No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I have a great BT offer from BofA for 0% until 02/2016. Offer expires next month.
Thinking of transferring Simplity balance over, but that 0% promo doesn't run out until 12/27/14. Is it worth the risk to wait and see if I get another offer?
Question 1: Should I give up the extra 3 mos on Simplicity card for this sure thing promo on BofA?
Question 2: Would it look weird to transfer the entire amount on my SDFCU card over to BofA? I just opened that card in June and used a BT offer when I did, but that promo is only 0% APR for 6 mos and then standard 6.99% after that. Transferring would save me $$$ but I've never transferred a transfer...lol
I'm at exactly 6 months now on their Cash Rewards 321 card and their recent BT checks offer (1 until August 2015!) just gave me a real good excuse to poke them for a CLI on my $1000 SL
@KennyRS wrote:
I get them in the mail continuously -- however it's like 3 or 4% transaction fees.
+1
I get them all the time, I got another one in the mail today. And whenever I go into the bank, they ask if I want to transfer balances to my card. Also always there when I log in. I feel like I can't escape it.
I get them weekly across 3 of my 4 BoA cards. They seem to push the lower limit cards more for BT.
All. The. Time. As soon as one offer expires they send me another one.
Thanks for the replies!! Maybe I will roll the dice....
Would it look weird to transfer my SDFCU balance to BofA that was a transfer itself?
@lhcole77 wrote:Thanks for the replies!! Maybe I will roll the dice....
Would it look weird to transfer my SDFCU balance to BofA that was a transfer itself?
No, I doubt they would even know. I usually just write myself a check since it gets the balance transferred in 2-3 days versus doing it through BoA website, which has taken weeks.
@B335is wrote:
@lhcole77 wrote:Thanks for the replies!! Maybe I will roll the dice....
Would it look weird to transfer my SDFCU balance to BofA that was a transfer itself?
No, I doubt they would even know. I usually just write myself a check since it gets the balance transferred in 2-3 days versus doing it through BoA website, which has taken weeks.
That is good info! Thanks.
I receive the offers as well. The transaction fee makes it at least a 3% BT. In addition to the rate, the main reason that I would never do it is because I actually use my BoA card for overseas transactions where I don't have higher rewards on other cards. If I was carrying balances, all of my purchases would lose their grace period and be charged the standard rate for purchases.
I usually wait for a 0% offer from NFCU (I don't use this card for anything else), then make whatever big purchases I have been waiting for on other rewards cards before transfering to NFCU for 0% financing. This is a great option if you can get into this CU.