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Regular Contributor
Posts: 127
Registered: ‎07-09-2012
0

Re: The NFCU 0% BT offer is BACK!!!!!

Yes! I've been waiting on this! Thanks for posting!

Frequent Contributor
Posts: 459
Registered: ‎08-31-2007
0

Re: The NFCU 0% BT offer is BACK!!!!!

trying to decide if I want to do another one.. Love NFCU

Valued Contributor
Posts: 1,927
Registered: ‎06-21-2012
0

Re: The NFCU 0% BT offer is BACK!!!!!

this is awesome!!

 

I'm calling them to see if I can get a recent BT that I did a couple days ago applied to this promo. 

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $5.25k | CSP $5k | Marriott $5k | AMEX TE $18k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Senior Contributor
Posts: 3,322
Registered: ‎05-05-2011
0

Re: The NFCU 0% BT offer is BACK!!!!!

This is great! I was hoping they would do it again this year. Last year, thankfully, I didn't need it. Also noticed there is NO BT fee! I've never seen that anywhere else. Am I reading that right? They don't even charge the 3% most do? Or am I confused?

 

Also, I'm wondering if I should use this opportunity to app for another CC w/them. I have Cash Rewards and NavChek. (NavChek is 0 bal and CC is used for monthly expenses and PIF each month.) I was thinking their Plat might be a good card to carry a BT since there are no rewards and lower %. (I know there's no interest w/BT  but still, in case there's a balance at the end.)

 

Does anyone know if odds are better w/a BT offer for a 2nd CC approval? I'm also concerned that I might hit their max per person, with my total CL w/them now. I think there were threads a while back about that. Does anyone know what their total CL for any one person might be?

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Valued Contributor
Posts: 1,927
Registered: ‎06-21-2012
0

Re: The NFCU 0% BT offer is BACK!!!!!

correct...not BT fee and 0%

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $5.25k | CSP $5k | Marriott $5k | AMEX TE $18k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Senior Contributor
Posts: 3,322
Registered: ‎05-05-2011
0

Re: The NFCU 0% BT offer is BACK!!!!!


j_casteel wrote:

correct...not BT fee and 0%


Amazing! Smiley Tongue

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Established Contributor
Posts: 619
Registered: ‎06-18-2007
0

Re: The NFCU 0% BT offer is BACK!!!!!

Schwing!  Thanks for the update.  Smiley Happy

_________________________________________________________
Too many accounts; too many debts; lots of open credit, and lots of utilized credit. Scores somewhere in the 600s - I have no earthly idea exactly what number, but not 700 like it was, briefly.
Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
0

Re: The NFCU 0% BT offer is BACK!!!!!

Can someone explain what exactly this small print means when you click on the ready to transfer my balance link?

 

Note: All balance transfer requests are treated as cash advances. Cash advance
interest charges will accrue from the date we post the advance to your account
through the date it is paid in full. The Annual Percentage Rate for balance
transfers is the same as purchases.



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: The NFCU 0% BT offer is BACK!!!!!


MsLadyRover wrote:

Can someone explain what exactly this small print means when you click on the ready to transfer my balance link?

 

Note: All balance transfer requests are treated as cash advances. Cash advance
interest charges will accrue from the date we post the advance to your account
through the date it is paid in full. The Annual Percentage Rate for balance
transfers is the same as purchases.


Typically when you make a BT with Navy Fed, the balance is treated like a cash advance.. and you start paying interest immediately once the balance transfer goes through but, keep in mind that Balances that are transferred will accrue interest at the balance transfer rate, which in this case is 0%...   so basically, you will begin to pay 0% interest immediately once the balance transfer goes through Smiley Very Happy.  

 


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: The NFCU 0% BT offer is BACK!!!!!

[ Edited ]
Accidental double post:
Anyways... did some BTs yesterday...  They all show up as pending cash advance which is weird.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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