topic Re: Navy Federal 2024 Balance Transfer Offers in Credit Cards

Navy Federal 2024 Balance Transfer Offers

jel1990 — Fri, 05 Jan 2024 13:31:39 GMT

Hey all. Appears there was a 2023 thread but I thought I'd go ahead and make a 2024 thread for easier tracking. If anyone receives an email for a 2024 balance transfer offer, please post here. I'm hoping I get targeted. Would definitely be nice! Hoping the BT offers come in for all you NFCU card holders looking for one!

Re: Navy Federal 2024 Balance Transfer Offers

pizzadude — Fri, 05 Jan 2024 13:51:52 GMT

Thanks for starting this thread, will be interesting to see what rate they'll be offering. Guessing it'll be at least 4.9% this year....

Re: Navy Federal 2024 Balance Transfer Offers

iowe — Fri, 05 Jan 2024 19:46:57 GMT

Same here. It would help me out a lot if I get an offer. My current Discover balance transfer time runs out in April.

Re: Navy Federal 2024 Balance Transfer Offers

md_rebuild — Sat, 06 Jan 2024 00:35:26 GMT

It's funny, I saw this thread this am before I was doing my daily checking account reconciliation (the vast majority of my banking is at NFCU). I had to transfer some funds to another bank and saw the option to do a CC balance transfer. Intrigued, once I completed my regular transactions, decided to move a small amount (less than $2K) from my Apple Card to my NFCU Amex (taking advantage of the lower rate). Went through it all, then go the "we can't process your request at this time, please contact NFCU". I was too busy today, but will be calling tomorrow to inquire. I don't care about special rates or anything, but the 14.5% APR for my AMEX is much better than the 24% GS is offering.

Will report back on what I find out.

Re: Navy Federal 2024 Balance Transfer Offers

Wavester64 — Tue, 09 Jan 2024 16:05:28 GMT

@jel1990 wrote:
Hey all. Appears there was a 2023 thread but I thought I'd go ahead and make a 2024 thread for easier tracking. If anyone receives an email for a 2024 balance transfer offer, please post here. I'm hoping I get targeted. Would definitely be nice! Hoping the BT offers come in for all you NFCU card holders looking for one!

Curious - what was the 2023 BT offer that NFCU was offering?

Re: Navy Federal 2024 Balance Transfer Offers

Citylights18 — Tue, 09 Jan 2024 16:53:31 GMT

Unfortunately these haven't been good for a while.

Re: Navy Federal 2024 Balance Transfer Offers

md_rebuild — Tue, 09 Jan 2024 17:59:38 GMT

Just to be clear, I wasn't using a SUB or special offer. Just wanted to transfer from 2 higher interest cards to one of my NFCU cards which has a much lower interest rate.

I called today and got it done over the phone. I was told that if everything isn't perfect doing it online, that it sometimes rejects things, and apparently that's what happened with me. There was a lockbox # before the PO Box that I didn't enter, and that was enough for it to be rejected.

Hope this helps.

Re: Navy Federal 2024 Balance Transfer Offers

pizzadude — Tue, 09 Jan 2024 18:31:25 GMT

@Wavester64 wrote:
@jel1990 wrote:
Hey all. Appears there was a 2023 thread but I thought I'd go ahead and make a 2024 thread for easier tracking. If anyone receives an email for a 2024 balance transfer offer, please post here. I'm hoping I get targeted. Would definitely be nice! Hoping the BT offers come in for all you NFCU card holders looking for one!
Curious - what was the 2023 BT offer that NFCU was offering?

In prior years NFCU offered a 0% BT offer with 0% fees but the 2023 offer I believe was 2.9% with 0% BT fees.

Re: Navy Federal 2024 Balance Transfer Offers

SlideOrInsert — Wed, 17 Jan 2024 03:11:28 GMT

received this offer this evening, first since 2020 I believe. will not be able to take advantage of it.

unfortunate because the offer is for my More Rewards Amex which is my most used card (gas & groceries).

platinum has been basically useless, spend maybe $20 yearly just to keep it open.

Re: Navy Federal 2024 Balance Transfer Offers

Wavester64 — Wed, 17 Jan 2024 21:41:03 GMT

@SlideOrInsert wrote:
received this offer this evening, first since 2020 I believe. will not be able to take advantage of it.

unfortunate because the offer is for my More Rewards Amex which is my most used card (gas & groceries).

platinum has been basically useless, spend maybe $20 yearly just to keep it open.

Curious if anyone else got such an offer? I have been with NFCU for a few years now and never got a BT offer.

I just emailed them after seeing this post to see if maybe I have such an offer and I am unaware of it.

Re: Navy Federal 2024 Balance Transfer Offers

SMB85 — Fri, 19 Jan 2024 02:21:53 GMT

Just received this BT offer in my inbox!

Transfer your non-Navy Federal balances to your Navy Federal Credit Card ending in XXXX, and you could save with a 3.99% APR on the transferred balance for 18 months. After that, your variable Standard APR applies.

Re: Navy Federal 2024 Balance Transfer Offers

jel1990 — Fri, 19 Jan 2024 04:20:59 GMT

I've gotten nothing so far. Platinum with a $21,000 credit line and a $127 balance and a Flagship with a $30,500 credit line and a $3,000 balance. Waiting to see if they send me an offer. If not going to debate on closing. If they don't send one with $50k in available credit they'll never send one. Doesn't make sense if they want you to use the product.

Re: Navy Federal 2024 Balance Transfer Offers

SPChaser — Fri, 19 Jan 2024 04:37:27 GMT

So here I am going down the forums rabbit-hole 🤣 and I come across this topic. And like everyone, I scour my email searching for this, for me anyway, elusive balance transfer offer that I can't recall ever receiving and what drops in my email this very evening 😂. Yeah, let's take advantage of this thing!

Re: Navy Federal 2024 Balance Transfer Offers

bluenote-lp — Fri, 19 Jan 2024 07:49:46 GMT

NFCU once had a 0% offer,no fee of any kind, for 12 months.... but i assume they lost a lot of money with that offer and will not be offereing it again. If you really need to do a balance transfere, find what ever the best one you have access to, and pay it off as soon as possible.DCU currently has a 0 % no fee , but it;s for certain members only.

Re: Navy Federal 2024 Balance Transfer Offers

jel1990 — Fri, 19 Jan 2024 19:33:24 GMT

Chatted with a nice lady over there this morning. Got the usual we're sorry. No balance transfer offers tied to your cards right now. 🙄 I guess that $50k in credit earning them $0 will continue to earn them $0.

Re: Navy Federal 2024 Balance Transfer Offers

Wavester64 — Fri, 19 Jan 2024 21:37:21 GMT

@jel1990 wrote:
Chatted with a nice lady over there this morning. Got the usual we're sorry. No balance transfer offers tied to your cards right now. 🙄 I guess that $50k in credit earning them $0 will continue to earn them $0.

I got the same reply via secure message, oh well

Re: Navy Federal 2024 Balance Transfer Offers

MarkintheHV — Sat, 20 Jan 2024 14:39:17 GMT

Found this online related to opening a Platinum card

"Transfer your non-Navy Federal balances within 60 days of account opening, and you'll pay a 0.99% intro APR on balance transfers for 12 months"

Re: Navy Federal 2024 Balance Transfer Offers

TryItAgain — Sun, 21 Jan 2024 18:08:04 GMT

I received this offer on 1-16-24 for my Flagship Visa, 3.99% for 18 months no BT fee. I called and asked if only my Flagship was eligible, but they could not verify that.

Re: Navy Federal 2024 Balance Transfer Offers

Citylights18 — Sun, 21 Jan 2024 18:26:02 GMT

Obviously NFCU has tightened up but I wonder if credit usage also plays in a factor in a decision to issue one.

I can remember when I used the card frequently and had the 0$ BT offer every year.

Re: Navy Federal 2024 Balance Transfer Offers

youngandcreditwrthy — Sun, 21 Jan 2024 18:38:55 GMT

Ive been seeing people complaining all over on the credit sites like CK, Credit Sesame, here etc... how they cant get a balance transfer to cards that dont even offer 0%.. they are talking like transferring a 29% card to a 25% which I guess if there's no fee and you're that strapped, it's okay... and I would get why you'd wanna go to 14.5% from 20+ but seems like some folks are desperate and don't understand how the BTs work.

until about 2012/2014.. my lowest fixed APR was 9.24% with cap one, and they would let me BT any balances with $0 BT fees from 15-30% store cards so I did that, but some folks are trying to basically balance transfer a 30% card to another 30% card. I dont get that.