topic Re: BT now or wait in Credit Cards

BT now or wait

ShiningDown — Wed, 24 Apr 2013 22:19:38 GMT

How often does Discover and US Bank offer a BT for existing card holders? Now US Bank is offering 7.9 for 12 months and Discover is offering 5% for 12 months. I need a BT by August for 2000 should I just stay where I'm at and wait four months for another BT offer or take one of these offers now. My 2000 debt is sitting on a 0 BT until August?

Re: BT now or wait

LS2982 — Wed, 24 Apr 2013 22:30:47 GMT

@ShiningDown wrote:
How often does Discover and US Bank offer a BT for existing card holders? Now US Bank is offering 7.9 for 12 months and Discover is offering 5% for 12 months. I need a BT by August for 2000 should I just stay where I'm at and wait four months for another BT offer or take one of these offers now. My 2000 debt is sitting on a 0 BT until August?

I think i'd wait to see if a better offer comes. Barclays is flooding me with offers!

Re: BT now or wait

ShiningDown — Wed, 24 Apr 2013 22:37:29 GMT

I think I will wait it out, thanks!

Re: BT now or wait

FocusedAndDetermined — Wed, 24 Apr 2013 22:41:11 GMT

I would wait, you may get an offer from Slate, which is offering 0% and 0 transfer free for 15 months.

Re: BT now or wait

ShiningDown — Wed, 24 Apr 2013 23:53:09 GMT

I have to use Discover or US Bank because I already have cards with them. My scores are low and I have high utilization and inquiries.