topic Re: How long will your existing credit card companies keep sending you 12 to18 months 0% transfer in Credit Cards

How long will your existing credit card companies keep sending you 12 to18 months 0% transfer offers

Anonymous — Wed, 30 Aug 2017 09:42:58 GMT

How long will your existing credit card companies keep sending you 12 to18 months 0% transfer offers?

12 months ago my credit score was very low at about 650 , 0% percent transfer offers never came.

But after I boosted my score all the way up to 800 , capital one, chase, Barclay cards , commerce bank card, all sent me 0% percent transfer offers.

I'm not ready do the transfers right now , I need to apply for a bunch of new cards later on before I do all the transfers , but I'm worried that they may stop sending me offers later on

Now the big question is I plan to maintain my score at about 800 for the next 6 to 12 months, will they keep sending me 0% percent transfer offers by 6 to 12 months later on? Advice would be greatly appreciated , thank you

Commerce bank sent me a special transfer offer , an amazing 4% apr for LIFE ( forever ) of balance

Anonymous — Wed, 30 Aug 2017 09:49:13 GMT

The problem is I'm not ready use this LIFE of balance offer right now, I need to maintain my very low credit utilization , for a long while , the question is will they send me this rare LIFE of balance transfer offer again maybe 6 to 12 months later?

Re: How long will your existing credit card companies keep sending you 12 to18 months 0% transfer of

Gmood1 — Wed, 30 Aug 2017 10:05:18 GMT

You should continue to receive them. Especially if you're allowing balances to report and paying the bills on time.
You have nothing to worry about.
I get swamped some weeks with them. It's been that way for a year and a half, with no signs of letting up. Citi, BofA and Chase send a ton of offers! Capitol One has slowed down by comparison.

Some lenders seemingly have ongoing offers that update and show in your online account.

Re: How long will your existing credit card companies keep sending you 12 to18 months 0% transfer of

Gunnar419 — Wed, 30 Aug 2017 12:54:58 GMT

I have found these offers to be frustratingly inconsistent. Companies will swamp me with offers for a year or so, then quit just when I'd finally like to use one. There seems to be no accounting for the reasons, with no big changes in my credit picture.

Re: How long will your existing credit card companies keep sending you 12 to18 months 0% transfer of

Berk — Wed, 30 Aug 2017 15:19:55 GMT

@Gunnar419 wrote:
I have found these offers to be frustratingly inconsistent. Companies will swamp me with offers for a year or so, then quit just when I'd finally like to use one. There seems to be no accounting for the reasons, with no big changes in my credit picture.

You can always call and ask if they have any BT offers available. Especially if they offered them to you in the past. All they can say is "No."

Re: How long will your existing credit card companies keep sending you 12 to18 months 0% transfer of

AverageJoesCredit — Wed, 30 Aug 2017 15:46:35 GMT

I wouldnt know, i never get 0% bt offers just standard 3% ones

Re: How long will your existing credit card companies keep sending you 12 to18 months 0% transfer of

Anonymous — Wed, 30 Aug 2017 19:59:20 GMT

Which companies are suddenly stop giving you 0% percent balance transfer offers?

Re: How long will your existing credit card companies keep sending you 12 to18 months 0% transfer of

Gunnar419 — Wed, 30 Aug 2017 21:00:41 GMT

Both Barclays and Discover have offered, then not offered 0% terms. I've found as many as four different BT offers at a time on my Barclay card (Commence, formerly Sallie Mae), then other times nothing worth looking at.

When I want such a thing, I do check their websites and sometimes there's something there they haven't promoted to me. The last time I wanted to to a BT, I checked Chase online and found the best terms there when I've never otherwise found particularly great BT terms there.

I don't know about anybody else, but for me it just varies over time. My scores are all over 800, my util always reasonable, but the cc companies seem prone to different moods. I can't explain it.

Re: How long will your existing credit card companies keep sending you 12 to18 months 0% transfer of

UpperNwGuy — Wed, 30 Aug 2017 21:15:03 GMT

I don't understand the problem. Citi Simplicity and Chase Slate have had 0% balance transfer offers available to the general public -- not just to current cardholders -- continuously for the last 4-5 years. It's a safe bet that these offers will still be there in the near future. If you need a 0% balance transfer, you'll be able to find one.

Re: How long will your existing credit card companies keep sending you 12 to18 months 0% transfer of

Anonymous — Fri, 01 Sep 2017 02:53:22 GMT

They may give 0% percent Apr transfers to new customers, but I'm not quite sure which company may stop sending offers after 6 months 12 or 18 or whatever after a while to existing customers

Re: How long will your existing credit card companies keep sending you 12 to18 months 0% transfer of

UpperNwGuy — Fri, 01 Sep 2017 02:57:32 GMT

@Anonymous wrote:
They may give 0% percent Apr transfers to new customers, but I'm not quite sure which company may stop sending offers after 6 months 12 or 18 or whatever after a while to existing customers

Why is that distinction important to you? If you need to do a balance transfer, what difference does it make if you use an existing account or a new one?

Re: How long will your existing credit card companies keep sending you 12 to18 months 0% transfer

Anonymous — Sun, 03 Sep 2017 12:37:48 GMT

How about commerence bank credit card, how long do they usually keep sending balance transfer offers?

Re: How long will your existing credit card companies keep sending you 12 to18 months 0% transfer

UpperNwGuy — Sun, 03 Sep 2017 13:09:42 GMT

@Anonymous wrote:
How about commerence bank credit card, how long do they usually keep sending balance transfer offers?

This is the same question you asked several days ago, and several members have answered that question as best it can be answered. You seem to be looking for a guarantee that simply can't be given. Tell us more about what you're trying to do, and maybe some of the experts here can help you.

Re: How long will your existing credit card companies keep sending you 12 to18 months 0% transfer

jamie123 — Sun, 03 Sep 2017 19:39:00 GMT

This is a question of clarification for all of you.

I get 0% APR balance transfers offers all the time but they also come with a transfer fee of 3% to 4%. Do any of you get offers with transfer fees that are lower than that? (Cause hey, that's still interest IMHO.)

Re: How long will your existing credit card companies keep sending you 12 to18 months 0% transfer

UpperNwGuy — Sun, 03 Sep 2017 20:45:15 GMT

@jamie123 wrote:
This is a question of clarification for all of you.

I get 0% APR balance transfers offers all the time but they also come with a transfer fee of 3% to 4%. Do any of you get offers with transfer fees that are lower than that? (Cause hey, that's still interest IMHO.)

Chase Slate usually has a 0% balance transfer offer with no balance transfer fees.

Re: How long will your existing credit card companies keep sending you 12 to18 months 0% transfer

MrDisco99 — Mon, 04 Sep 2017 02:37:36 GMT

@UpperNwGuy wrote:
@jamie123 wrote:
This is a question of clarification for all of you.

I get 0% APR balance transfers offers all the time but they also come with a transfer fee of 3% to 4%. Do any of you get offers with transfer fees that are lower than that? (Cause hey, that's still interest IMHO.)
Chase Slate usually has a 0% balance transfer offer with no balance transfer fees.

The Barclaycard Ring also has a similar deal.

Re: How long will your existing credit card companies keep sending you 12 to18 months 0% transfer

jamie123 — Mon, 04 Sep 2017 11:29:05 GMT

Thanks for the info UpperNwGuy and MrDisco99!

Re: How long will your existing credit card companies keep sending you 12 to18 months 0% transfer

Anonymous — Mon, 04 Sep 2017 19:30:25 GMT

I don't think I've ever received them.