Not at all, I've received many. Check inside your statement envelope they've been mailing alot of those 0% balance transfer checks. I've received 0% checks from BOA, Chase, Citi and 1.90% from Discover. All of them have a customer service number you can call to have the BT's done over the phone (if you receive multiple mailers you may need the promo number of the best rate). But I never have more than a 5-7% balance on more than 4 of my cc's which may be why they are targetting me. Not sure.
You can also check your accounts online, it will show balance transfer offers.
Fred2280 wrote:
I have high cc debt. BT's are the best way to for me to reduce finance charges. I'm offererd some BT's (BofA). But many others, I have the credit available but no BT's. Are these offers way down?
[4/23] Scores 8/9: 700-800s. Util: 1%. Inq/12: EQ 0, EX 5, TU 1. AoOA=14.8y, AoYA=9m.
TCL $618K: Personal $512K, Business $106K.