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Frequent Contributor
urgent_help_needed
Posts: 268
Registered: ‎01-23-2009
0

looking for 0%APR on BT and purchases for 12 months, capped fee....

Has anyone seen a card with a promotional offer for 0%APR on balance transfers AND purchases for 12 months...plus a capped balance transfer fee(or none)?

 

So far closest I've seen is Citi Platinum card...it meets the conditions except has a full 3% BT fee.

Established Contributor
woopah
Posts: 721
Registered: ‎03-15-2008

Re: looking for 0%APR on BT and purchases for 12 months, capped fee....


urgent_help_needed wrote:

Has anyone seen a card with a promotional offer for 0%APR on balance transfers AND purchases for 12 months...plus a capped balance transfer fee(or none)?

 

So far closest I've seen is Citi Platinum card...it meets the conditions except has a full 3% BT fee.


I have not, however, I had heard that someoen said if you have a BT offer and the fee is not capped if you call the company you may be able to negotiate with them to get the fee capped.  

4/16/09: TU: 775, EQ: 805
2/11/09: TU: 773, EQ: 790, EX:790
11/16/08: TU: 773, EQ: 785, EX: 780
Goals for 2009: 0 Credit Card Debt & 0% Util (achieved 2/6/09), Mortgage! (achieved 11/2/09), getting closer to 800 scores (I crossed this earlier this year, but I'm sure I'm not there anymore!)
Contributor
CreditCardWhore
Posts: 76
Registered: ‎01-20-2009

Re: looking for 0%APR on BT and purchases for 12 months, capped fee....

  Disney Rewards® Visa® Card
  • 0% Intro APR*
  • No Annual Fee
  • Theme Park Benefits
  • 0%  APR for Vacation Financing
  • No block out dates
  • Earn Disney Dream Reward Dollars®


* For additional rate, fee and cost information see pricing and terms

 

 

Chase Disney 0% BT -  12 mth, fee caps at $75.  App - call and ask for CL increase immediately - then transfer almost all your other Chase CL to this card (assuming you have any), and then use the check they send you with your card to deposit the full amount in your checking (less the $75 fee).

 

I did this 6mths ago and made it work for $30K of 0% money.  I took the 99% of the available balance.  I am just paying back the minimum amount each month (2%).  I think this is one of the few good arbitrage cards out there right now.  Do this and you take a short-term FICO hit - but you can make a small to huge return, depending on what you are currently paying in interest.

 

If you get this, do not ever miss a payment as this deal is a gift.

Regular Contributor
Kay_Cee
Posts: 201
Registered: ‎01-16-2008
0

Re: looking for 0%APR on BT and purchases for 12 months, capped fee....

[ Edited ]

Try for a Chase Platinum Master card.  I got 0% APR on BT and purchases through April of 2010 and a 9.99% fixed rate after 4/2010 on BT and purchases, no annual fee but, the only reward is the low APR. 

 

www.chase.com/platinum

Message Edited by Kay_Cee on 02-05-2009 09:16 AM
Valued Contributor
oracles
Posts: 1,699
Registered: ‎08-18-2007
0

Re: looking for 0%APR on BT and purchases for 12 months, capped fee....

Woopah, that was me who stated it.

 

I had a BT with BofA and called to ask if they will cap the fee. 

 

They were very supportive and helpful.

 

They capped the fee and I received a 0% BT for 12 months.

 

I saved over $350 dollars

 

Definitely call and see what they will do.

Frequent Contributor
urgent_help_needed
Posts: 268
Registered: ‎01-23-2009
0

Re: looking for 0%APR on BT and purchases for 12 months, capped fee....

with that chase disney card, will they charge you $10/month if you don't use it enough?  wasn't there something on the news about Chase doing that on their 0%APR cards and people were surprised and angry?
Established Contributor
so_confused
Posts: 630
Registered: ‎06-20-2007
0

Re: looking for 0%APR on BT and purchases for 12 months, capped fee....

Try CCCU! 0% for 6-12mo's and NO BT fees.
9/18/08 TU=707 EQ=706 EX=702
Contributor
CreditCardWhore
Posts: 76
Registered: ‎01-20-2009
0

Re: looking for 0%APR on BT and purchases for 12 months, capped fee....


urgent_help_needed wrote:
with that chase disney card, will they charge you $10/month if you don't use it enough?  wasn't there something on the news about Chase doing that on their 0%APR cards and people were surprised and angry?

 

Nope - I think those people had long-time low APR cards (ex 2.99% for the life of the debt).  This teaser is 12mths and I have not seen any monthly charge.
Established Contributor
Itsmeagain
Posts: 832
Registered: ‎01-16-2008
0

Re: looking for 0%APR on BT and purchases for 12 months, capped fee....

Discover More Card . . . . 0% BT - 6 mo.

                                      0% Interest 12 mo.

                                      No Annual Fee

                                      13.99% after that - but it's a good rewards card


Starting Score: TU 737 EQ 721
Current Score: TU 741 EQ 741
Goal Score: TU 765 EQ 760


Take the FICO Fitness Challenge
Valued Contributor
oracles
Posts: 1,699
Registered: ‎08-18-2007
0

Re: looking for 0%APR on BT and purchases for 12 months, capped fee....


urgent_help_needed wrote:
with that chase disney card, will they charge you $10/month if you don't use it enough?  wasn't there something on the news about Chase doing that on their 0%APR cards and people were surprised and angry?

Hi Urgent

 

This was for people who had a 2.99, 3.99, 4.99% for life Bt. Chase needed to get these people to pay them off quicker and therefore added a $10 fee to have the card. I know there is a class action lawsuit currently in California about this situation. 

 

Here is the link to the thread about this  

 

Chase And Their New Account Service Charges

 

For any 12 month or definitive time frame on a BT, you will not have to worry about this additional charge.

 

Hope this helps and update us on what card you are going to use


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