topic Re: SDFCU - 0%, $0 fee balance transfers in Credit Cards

SDFCU - 0%, $0 fee balance transfers

frugal47374 — Thu, 13 Nov 2025 15:48:55 GMT

For the last 10 years, I have received offers from SDFCU for balance transfers with 0% interest and no fee.

At first these were for 6 months, but more recently for 12 months.

I took these offers, paid the minimum until the end when I paid them off.

I did not get an offer in October which would have been a year since the last one.

I'm wondering if anyone here has had similar offers and if they received one recently.

(Is it just me or has SDFCU changed their policy on this?)

Re: SDFCU - 0%, $0 fee balance transfers

Wavester64 — Thu, 13 Nov 2025 18:59:04 GMT

I wish some (or at least one) of the cards I have had this exact offer

Re: SDFCU - 0%, $0 fee balance transfers

Namaste7 — Sat, 15 Nov 2025 18:30:28 GMT

I received annual CLIs but don’t recall seeing 0% BT no-fee offers. Admittedly, I tend to shred mailers, so maybe I missed an offer at some point.

Given the government shutdown, they might have paused the 0% offering since some members might have utilized the government assistance options SDFCU offered.

Re: SDFCU - 0%, $0 fee balance transfers

Guyatthebeach — Sun, 16 Nov 2025 04:57:49 GMT

@frugal47374,

I didn't get one either. Have you tried calling them yet?

Guyatthebeach

Re: SDFCU - 0%, $0 fee balance transfers

frugal47374 — Mon, 17 Nov 2025 03:47:25 GMT

By "either", do you mean you have received these in the past (yearly?) but haven't this year?

No, I'm not going to call them. I never pay them any interest and don't see why they would continue to lend me free money.

Re: SDFCU - 0%, $0 fee balance transfers

Stuart89 — Wed, 19 Nov 2025 00:00:27 GMT

I think a lot of issuers are battening down the hatches given the economy.