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Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
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NFCU offering 3.9% BT - no fees

FYI:  I just got a mailing from NFCU offering 3.9% BT through Feb 28, 2011.  It is an oversized postcard.

 

I have family/friends that have gotten the same mailing, but with offers for 4.9% and 5.9%, so evidently the BT rate is based upon some credit factor, because the BT rate isn't just one rate like PenFed and other ccc's.

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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
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Registered: ‎01-02-2010
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Re: NFCU offering 3.9% BT - no fees

I got the 5.9% offer.

 

 

Frequent Contributor
Posts: 483
Registered: ‎05-06-2009
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Re: NFCU offering 3.9% BT - no fees

4.9% here...

 

Now I just have to find another no fee offer from another card so I can get the current balance off and put back onto the BT rate!  Man I can't wait until I no longer have balances to BT!

Regular Contributor
Posts: 125
Registered: ‎08-08-2009
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Re: NFCU offering 3.9% BT - no fees

3.9% but mine was enclosed in my CC statement. I have limited history but pay in full, I dunno if that impacts this or not.
Frequent Contributor
Posts: 328
Registered: ‎09-01-2009
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Re: NFCU offering 3.9% BT - no fees

Excuse my ignorance but what is BT?

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Regular Contributor
Posts: 125
Registered: ‎08-08-2009
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Re: NFCU offering 3.9% BT - no fees

balance transfer...its not ignorance at least you are to know

Frequent Contributor
Posts: 328
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Re: NFCU offering 3.9% BT - no fees

thank you!

Starting Score: EQ 729, TU 752, EX ? (1/1/2011)
Current Score: EQ 696, TU 718, EX 686 - PSECU (5/17/2011)
Goal Score: ALL 800+ by December 31, 2011

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Registered: ‎08-17-2007
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Re: NFCU offering 3.9% BT - no fees


txjohn wrote:

FYI:  I just got a mailing from NFCU offering 3.9% BT through Feb 28, 2011.  It is an oversized postcard.

 

I have family/friends that have gotten the same mailing, but with offers for 4.9% and 5.9%, so evidently the BT rate is based upon some credit factor, because the BT rate isn't just one rate like PenFed and other ccc's.


I got the 4.9% and DH got 5.9%.  His actual FICO EQ  is higher than mine,  but his file is a little thinner.  Same thing when Discover offers us BTs...sometimes his offer is 3.9 to my 5.9, and last offer mine was 3.9 and his was 9.9.  Guess "only the shadow knows"!!

 

 

 

 

FICOS: TU 720(05-15-15) EQ '08 736( 05-17-15) EX 712 (05-15-15)
Valued Member
Posts: 31
Registered: ‎08-04-2007
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Re: NFCU offering 3.9% BT - no fees

What I don't like is now anyone who has handeled my mail or whatknot now knows I have a NFCU credit card... GRRR.. can't they put those things in privacy envelopes!?

 

Well... I transfered my $425 USAA credit card to my NFCU for a 3.9% BT rate...

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