https://ficoforums.myfico.com/t5/Credit-Cards/0-12-m-Balance-Transfer-Expiration/m-p/5807144#M1680304 What about using the card first and getting the $100 credit for $1,500 in purchases within 90 days? Would I still qualify for the 0% BT after that? Wed, 13 Nov 2019 16:12:58 GMT NC84 2019-11-13T16:12:58Z https://ficoforums.myfico.com/t5/Credit-Cards/0-12-m-Balance-Transfer-Expiration/m-p/5806829#M1680301 If a card says I have until March to do a balance transfer and I do it in March will it give me the 12 months interest free after or will it deduct months from when I first opened the card? Wed, 13 Nov 2019 04:28:57 GMT https://ficoforums.myfico.com/t5/Credit-Cards/0-12-m-Balance-Transfer-Expiration/m-p/5806829#M1680301 NC84 2019-11-13T04:28:57Z https://ficoforums.myfico.com/t5/Credit-Cards/0-12-m-Balance-Transfer-Expiration/m-p/5806832#M1680302 <P>from the date you initiated balance transfer</P> Wed, 13 Nov 2019 04:36:05 GMT https://ficoforums.myfico.com/t5/Credit-Cards/0-12-m-Balance-Transfer-Expiration/m-p/5806832#M1680302 creditfan 2019-11-13T04:36:05Z https://ficoforums.myfico.com/t5/Credit-Cards/0-12-m-Balance-Transfer-Expiration/m-p/5806836#M1680303 Thank you Wed, 13 Nov 2019 04:38:12 GMT https://ficoforums.myfico.com/t5/Credit-Cards/0-12-m-Balance-Transfer-Expiration/m-p/5806836#M1680303 NC84 2019-11-13T04:38:12Z https://ficoforums.myfico.com/t5/Credit-Cards/0-12-m-Balance-Transfer-Expiration/m-p/5807144#M1680304 What about using the card first and getting the $100 credit for $1,500 in purchases within 90 days? Would I still qualify for the 0% BT after that? Wed, 13 Nov 2019 16:12:58 GMT https://ficoforums.myfico.com/t5/Credit-Cards/0-12-m-Balance-Transfer-Expiration/m-p/5807144#M1680304 NC84 2019-11-13T16:12:58Z https://ficoforums.myfico.com/t5/Credit-Cards/0-12-m-Balance-Transfer-Expiration/m-p/5807197#M1680309 Yes. So long as your bt offer states the date you must use bt for, you have until then to initiate your bt, you can still use it to meet your sub. Once you bt its better to not mix new purchases snd the bt. Wed, 13 Nov 2019 17:33:21 GMT https://ficoforums.myfico.com/t5/Credit-Cards/0-12-m-Balance-Transfer-Expiration/m-p/5807197#M1680309 AverageJoesCredit 2019-11-13T17:33:21Z https://ficoforums.myfico.com/t5/Credit-Cards/0-12-m-Balance-Transfer-Expiration/m-p/5807235#M1680311 Yeah, I would pay it off before the BT.<BR />Just figured I'd take advantage of the $100 for the Holidays. Sounds like a win win Wed, 13 Nov 2019 18:04:24 GMT https://ficoforums.myfico.com/t5/Credit-Cards/0-12-m-Balance-Transfer-Expiration/m-p/5807235#M1680311 NC84 2019-11-13T18:04:24Z