I'm in with BOA again Yeah !!!!!!!!

[Ron1]

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@CS800 wrote:

Im hoping to carry this balance for the full 12 months. I just did the BT today first time. So i have up till July 2013

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You don't want to do BT with the card for a long time period of time. You might end up $1k CL like me.  It is a good card to have as long as you pay in full. Is there any BT fee fee?

Ron.

[CS800]

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@Ron1 wrote:

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@CS800 wrote:

Im hoping to carry this balance for the full 12 months. I just did the BT today first time. So i have up till July 2013

---

You don't want to do BT with the card for a long time period of time. You might end up $1k CL like me.  It is a good card to have as long as you pay in full. Is there any BT fee fee?

Ron.

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There is a 4% BT fee but im getting 0% for 12 months.

I transferred my Barclay Visa (20.99 APR) and my BCE (18.99 APR) to this card. My combined BT is about $4500

[RockinRay]

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@CS800 wrote:

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@Ron1 wrote:

---

@CS800 wrote:

Im hoping to carry this balance for the full 12 months. I just did the BT today first time. So i have up till July 2013

---

You don't want to do BT with the card for a long time period of time. You might end up $1k CL like me.  It is a good card to have as long as you pay in full. Is there any BT fee fee?

Ron.

---

There is a 4% BT fee but im getting 0% for 12 months.

I transferred my Barclay Visa (20.99 APR) and my BCE (18.99 APR) to this card. My combined BT is about $4500

---

Personally, I thnk that was a smart move. Even with the fee, you are much better off interest wise. 0 % looks pretty darn nice. I would risk it and let it ride for a while.

[Ron1]

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@CS800 wrote:

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@Ron1 wrote:

---

@CS800 wrote:

Im hoping to carry this balance for the full 12 months. I just did the BT today first time. So i have up till July 2013

---

You don't want to do BT with the card for a long time period of time. You might end up $1k CL like me.  It is a good card to have as long as you pay in full. Is there any BT fee fee?

Ron.

---

There is a 4% BT fee but im getting 0% for 12 months.

I transferred my Barclay Visa (20.99 APR) and my BCE (18.99 APR) to this card. My combined BT is about $4500

---

I think it's a good deal. Don't take too long to pay it off.

Ron.

[CS800]

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@Ron1 wrote:

---

@CS800 wrote:

---

@Ron1 wrote:

---

@CS800 wrote:

Im hoping to carry this balance for the full 12 months. I just did the BT today first time. So i have up till July 2013

---

You don't want to do BT with the card for a long time period of time. You might end up $1k CL like me.  It is a good card to have as long as you pay in full. Is there any BT fee fee?

Ron.

---

There is a 4% BT fee but im getting 0% for 12 months.

I transferred my Barclay Visa (20.99 APR) and my BCE (18.99 APR) to this card. My combined BT is about $4500

---

I think it's a good deal. Don't take too long to pay it off.

Ron.

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Should I milk it all the way for the 12 months?. I technically could pay this off in 6 months. Then I'm CC debt free. I just want to keep some history on it.

Im also contemplating closing my Zync Card since I dont use it at all. The AF is due in September.

[Ron1]

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@CS800 wrote:

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@Ron1 wrote:

---

@CS800 wrote:

---

@Ron1 wrote:

---

@CS800 wrote:

Im hoping to carry this balance for the full 12 months. I just did the BT today first time. So i have up till July 2013

---

You don't want to do BT with the card for a long time period of time. You might end up $1k CL like me.  It is a good card to have as long as you pay in full. Is there any BT fee fee?

Ron.

---

There is a 4% BT fee but im getting 0% for 12 months.

I transferred my Barclay Visa (20.99 APR) and my BCE (18.99 APR) to this card. My combined BT is about $4500

---

I think it's a good deal. Don't take too long to pay it off.

Ron.

---

Should I milk it all the way for the 12 months?. I technically could pay this off in 6 months. Then I'm CC debt free. I just want to keep some history on it.

Im also contemplating closing my Zync Card since I dont use it at all. The AF is due in September.

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If you want to keep it all way for 12 months, you would keep small balance under $1K.  It may avoid CLD.  Close it if you don't use it. I might want to close my Plum Card in August  and I didn't find it useful.

Ron.

[CS800]

I want to close my low CL cards that have not grown and will not. I put my threshold at $3K.

- My Cap One Plat has always been at $1100 with $39 AF since 2008 - always denied CLI or PC

- BBRZMC - $800 since 2008 with $59 AF -- just got CLI from $300 to $800

- Zync

- USAA Basic Plat and will not grow past $1000 wuth a $35 AF. No PC possibility I was told since its their basic card. I got it while rebuilding

My Target Card is fairly new and is at $500, so I will see where this one goes

All of these cards have AF's but low limits. I wont lose the AAoA factor at least since they will still report.

That means losing $2900 in CL that i can afford to lose. This way it wouldnt look like I have too many cards open.

[Ron1]

Don't close all of them at the same time. You might need some of them to get new cards.

Ron.

[RockinRay]

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@CS800 wrote:

I want to close my low CL cards that have not grown and will not. I put my threshold at $3K.

- My Cap One Plat has always been at $1100 with $39 AF since 2008 - always denied CLI or PC

- BBRZMC - $800 since 2008 with $59 AF -- just got CLI from $300 to $800

- Zync

- USAA Basic Plat and will not grow past $1000 wuth a $35 AF. No PC possibility I was told since its their basic card. I got it while rebuilding

My Target Card is fairly new and is at $500, so I will see where this one goes

All of these cards have AF's but low limits. I wont lose the AAoA factor at least since they will still report.

That means losing $2900 in CL that i can afford to lose. This way it wouldnt look like I have too many cards open.

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Keep the Target in my mind but let the others go.....

[CS800]

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@Ron1 wrote:

Don't close all of them at the same time. You might need some of them to get new cards.

Ron.

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You're right, these are my oldest cards too. Maybe I should close the BBRZMC first