I Want to Kick Myself in the Balls

[Stralem]

So I was looking through the paperwork for all of my cards to arrange payments and stuff when I finally noticed something on the intro papers for my NFL Extra Points card. When I got it last year, I was given a 12 month 0% APR intro period. That was in October 2012. The intro period expires in less than 4 months.

Holy crap, what the hell is wrong with me? Instead of applying for the Apple Financing Visa, I could have instead asked for a CLI on the NFL card for the same amount that I was approved for on the Apple card! That's not even mentioning the 8 months of BT opportunities I've completely missed out on. Arrrrgh!!

Well... Perhaps I'll just BT the small balance sitting on my Cap One just for kicks. :/

So, what's the moral of the story?

Actually read the papers that come with your credit cards. Don't be a blockhead like me.

[09Lexie]

Yea, always read and/or know the terms of your cc's.

At least you found out now as opposed to Nov 1!

[myjourney]

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@Stralem wrote:

So I was looking through the paperwork for all of my cards to arrange payments and stuff when I finally noticed something on the intro papers for my NFL Extra Points card. When I got it last year, I was given a 12 month 0% APR intro period. That was in October 2012. The intro period expires in less than 4 months.

Holy crap, what the hell is wrong with me? Instead of applying for the Apple Financing Visa, I could have instead asked for a CLI on the NFL card for the same amount that I was approved for on the Apple card! That's not even mentioning the 8 months of BT opportunities I've completely missed out on. Arrrrgh!!

Well... Perhaps I'll just BT the small balance sitting on my Cap One just for kicks. :/

So, what's the moral of the story?

Actually read the papers that come with your credit cards. Don't be a blockhead like me.

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Before you apply know what your getting instead of just another piece of plastic that said approved  Lol Ha ha ha 

[Stralem]

Yeah. I'm usually on top of my finances, so I'm really stunned that I was unaware of this.

Ugh... Foot meet groin.

But at least I still have four months remaining on the 0% term. I'll just BT a few small balances and spare myself four months of interest payments.

[RSCo]

You still have time left on the promo... Therefore, only kick yourself in one ball.. Save the other for having kids or as a spare for the next missed opportunity...

[crunching_numbers]

Did you read it closely? Is it on purchases AND BT?

[nicholasyud]

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@myjourney wrote:

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Before you apply know what your getting instead of just another piece of plastic that said approved  Lol Ha ha ha 

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righttttttttt !!!!

[Stralem]

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@crunching_numbers wrote:

Did you read it closely? Is it on purchases AND BT?

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Yup, both.

[knoregs]

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@Stralem wrote:

Ugh... Foot meet groin.

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~kn

[LS2982]

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@Stralem wrote:

So I was looking through the paperwork for all of my cards to arrange payments and stuff when I finally noticed something on the intro papers for my NFL Extra Points card. When I got it last year, I was given a 12 month 0% APR intro period. That was in October 2012. The intro period expires in less than 4 months.

Holy crap, what the hell is wrong with me? Instead of applying for the Apple Financing Visa, I could have instead asked for a CLI on the NFL card for the same amount that I was approved for on the Apple card! That's not even mentioning the 8 months of BT opportunities I've completely missed out on. Arrrrgh!!

Well... Perhaps I'll just BT the small balance sitting on my Cap One just for kicks. :/

So, what's the moral of the story?

Actually read the papers that come with your credit cards. Don't be a blockhead like me.

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Sounds like you have learned from your mistake, WTG!!

No ball kicking needed! Lol