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I have a Bank of America Cash Rewards card with a $25k limit, of which I had a balance of about $20k.
Yet I was still seeing an offer every time I logged in for 0% on direct deposits and balance transfers. This is the main reason I keep the card -in case of cash needs.
Instead, to take advantage of a 0% offer from Chase, I did a BT of $15,000 and now, even though the utilization on the BoA card is much lower, the promo offers have disappeared.
Now feel like I made a mistake by not just paying the card off -I'm addicted to 0% even when I can pay off the cards just to keep more cash available.
Are balance transfers red flags for card issuers?
How can I get them to make the offers again? Would their customer support have specific information or just general advice?
Thanks for any help!