topic Re: BT Balance Transfer checks galore? in Credit Cards

BT Balance Transfer checks galore?

AverageJoesCredit — Thu, 20 Jan 2022 23:49:53 GMT

Just wondering is anyone else seeing an influx of BT offers via checks that can be used with ones checking? Lol, today i received more from Sears, Best Buy and yesterday's was from Well Fargo, a 15 month one. Week before i got my first Penfed checks with which i am using to consolidate 3 cards into 1 payment. Im sure with my debt im a prime candidate but it sure is nice to have these options . Especially being able to go into checking, my preferred method of BT .

Re: BT Balance Transfer checks galore?

SoCalGardener — Thu, 20 Jan 2022 23:58:33 GMT

@AverageJoesCredit wrote:
Just wondering is anyone else seeing an influx of BT offers via checks that can be used with ones checking?

Me! Me! *waves*

What's ridiculous is that I've received duplicates and triplicates of the exact SAME OFFERS, for example, one from Citi that came in today's mail is exactly like one I got a few days ago. Ditto for BofA and Discover and... *scratching my head*... well, someone else I can't think of.

Some of the offers are pretty enticing. The BofA offer has two choices: 0% for 18 months or 0.99% for 21 months; each has a 3% fee. Mine all have 0% choices, but I think they also all have a fee (2-3%). I don't have anything expiring soon, or I'd play my favorite game: Balance Transfer Bingo!

Re: BT Balance Transfer checks galore?

wingennis — Fri, 21 Jan 2022 03:12:40 GMT

I'm getting so many from PenFed and Citi that my shredder is in the corner crying.

Re: BT Balance Transfer checks galore?

gingerflower — Fri, 21 Jan 2022 05:01:46 GMT

Yes! and Yes...Well fargo, Nfcu, NASA fcu, Alliant fcu, Barclay, Chase, Penfed, Elan financial, Discover, Citi all 4 accounts with BT. Keep them coming Lol 😃

Re: BT Balance Transfer checks galore?

Benzman — Fri, 21 Jan 2022 08:20:12 GMT

They must not like my address. I never get any mailed BT checks, but do have offers online from PNC, Discover, Cap One, Citi, and Huntington.

I also don't belong to any CUs, so that explains a lot.

Re: BT Balance Transfer checks galore?

tcbofade — Fri, 21 Jan 2022 09:36:06 GMT

Sadly, NFCU has ignored DW and myself this year... but that's OK.

We've got four offers from PenFed and we're planning to use three of them.

Also have checks from Citi, Commerce, Barclays, and someone else sitting on my desk that we're not going to use...

It's better to have them and not need them than it is to need them and not have them!

Re: BT Balance Transfer checks galore?

CreditInspired — Fri, 21 Jan 2022 12:10:28 GMT

@AverageJoesCredit wrote:
Just wondering is anyone else seeing an influx of BT offers via checks that can be used with ones checking? Lol, today i received more from Sears, Best Buy and yesterday's was from Well Fargo, a 15 month one. Week before i got my first Penfed checks with which i am using to consolidate 3 cards into 1 payment. Im sure with my debt im a prime candidate but it sure is nice to have these options . Especially being able to go into checking, my preferred method of BT .

Hey there @AverageJoesCredit

Not only am I super jealous--needless to say it's been years since I've received a BT check--I'm super excited for you. WTG!!!

Re: BT Balance Transfer checks galore?

CreditInspired — Fri, 21 Jan 2022 12:11:27 GMT

@wingennis wrote:
I'm getting so many from PenFed and Citi that my shredder is in the corner crying.

🤣😂 Good one

Re: BT Balance Transfer checks galore?

CreditInspired — Fri, 21 Jan 2022 12:12:31 GMT

@SoCalGardener wrote:
@AverageJoesCredit wrote:
Just wondering is anyone else seeing an influx of BT offers via checks that can be used with ones checking?
Me! Me! *waves*

What's ridiculous is that I've received duplicates and triplicates of the exact SAME OFFERS, for example, one from Citi that came in today's mail is exactly like one I got a few days ago. Ditto for BofA and Discover and... *scratching my head*... well, someone else I can't think of.

Some of the offers are pretty enticing. The BofA offer has two choices: 0% for 18 months or 0.99% for 21 months; each has a 3% fee. Mine all have 0% choices, but I think they also all have a fee (2-3%). I don't have anything expiring soon, or I'd play my favorite game: Balance Transfer Bingo!

No soup (BT) for me 😭

KUDOS to you!!

Re: BT Balance Transfer checks galore?

CreditInspired — Fri, 21 Jan 2022 12:13:55 GMT

@tcbofade wrote:
Sadly, NFCU has ignored DW and myself this year... but that's OK.

We've got four offers from PenFed and we're planning to use three of them.

Also have checks from Citi, Commerce, Barclays, and someone else sitting on my desk that we're not going to use...

It's better to have them and not need them than it is to need them and not have them!

+100

Re: BT Balance Transfer checks galore?

Anonymous — Fri, 21 Jan 2022 14:09:18 GMT

@Benzman wrote:
They must not like my address. I never get any mailed BT checks, but do have offers online from PNC, Discover, Cap One, Citi, and Huntington.
I also don't belong to any CUs, so that explains a lot.

yes bank of america, citi, chase, navy federal, capital one, usaa and wells fargo only sends online offers for me. I use to get checks from chase, wells fargo and citi. I currently dont have an offers from bank of america and citi. Chase and Wells Fargo reappeared 2 weeks after they disappeared. I have online offers from capital one(nice 2% fee) and usaa(but this one is at the apr of 14.90!). I didnt utilize the navy fed 0% apr and 0% fee in december 2021 because I didnt have any use for it at the time.

I get checks from us bank(I currently have 9 offers(online), is this normal?), penfed, and discover. thats all...

Re: BT Balance Transfer checks galore?

Anonymous — Fri, 21 Jan 2022 14:37:01 GMT

Yes, they are arriving by the droves LOL, I usually get 2 to 4 per day in the mail. But they all make a quick trip to the paper shredder

Thanks

Mark

Re: BT Balance Transfer checks galore?

macinjosh — Fri, 21 Jan 2022 17:03:24 GMT

So far I haven't gotten any. We will see when I check the mail tonight.

Re: BT Balance Transfer checks galore?

AverageJoesCredit — Fri, 21 Jan 2022 17:37:51 GMT

Discover hasnt offered me any bts in over 2 years nor cli so i think im on her blue list

Re: BT Balance Transfer checks galore?

AverageJoesCredit — Fri, 21 Jan 2022 17:39:30 GMT

@tcbofade wrote:
Sadly, NFCU has ignored DW and myself this year... but that's OK.

We've got four offers from PenFed and we're planning to use three of them.

Also have checks from Citi, Commerce, Barclays, and someone else sitting on my desk that we're not going to use...

It's better to have them and not need them than it is to need them and not have them!

Great point Taco, its better to have than not

Re: BT Balance Transfer checks galore?

TheRedHat — Fri, 21 Jan 2022 20:18:30 GMT

I haven't received any.

Re: BT Balance Transfer checks galore?

Phana24 — Fri, 21 Jan 2022 22:28:16 GMT

No kidding. Discover and Citi have me on their list and for some reason, Barclays is under the impression that their very existence depends upon me cashing some of their cheques. Perhaps the USPS is having a buy one ship ten free sale.

Re: BT Balance Transfer checks galore?

Anonymous — Fri, 21 Jan 2022 23:59:33 GMT

@Phana24 wrote:
No kidding. Discover and Citi have me on their list and for some reason, Barclays is under the impression that their very existence depends upon me cashing some of their cheques. Perhaps the USPS is having a buy one ship ten free sale.

Barclays sent me an email yesterday offering 0% for 6 months. They send it to those of us who never carry a balance. I wonder why they do that?

Thanks

Mark

Re: BT Balance Transfer checks galore?

Remedios — Sat, 22 Jan 2022 00:37:23 GMT

@Anonymous wrote:
@Phana24 wrote:
No kidding. Discover and Citi have me on their list and for some reason, Barclays is under the impression that their very existence depends upon me cashing some of their cheques. Perhaps the USPS is having a buy one ship ten free sale.
Barclays sent me an email yesterday offering 0% for 6 months. They send it to those of us who never carry a balance. I wonder why they do that?
Thanks
Mark

Fun fact, research shows of one has to mention *paying in full* daily, they probably aren't.

Maybe researchers have too much time on their hands, I wonder why they do that?

Re: BT Balance Transfer checks galore?

Jnbmom — Sat, 22 Jan 2022 00:50:34 GMT

Penfed constantly . FNBO for hubby . PNC as well all checks . I got offers from BMO , IKEA visa , and one other but those aren't checks and I always prefer the checks .