Anyone else getting 0% BT offers from these issuers?

[NoMoreE46]

I have gotten several 0% BT offers from Cap1, (active balance) Wells Fargo and just today,  PenFed.   Some are physical mailers and some are via email.  I don't ever recall getting so many from different issuers all within the past two to three months.   Just wondering if BT offers are profile specific or sent out en masse?

[JNA1]

I’m getting them like crazy from BBVA and PNC. I think everybody his trying to get BTs to get you to transfer that Christmas spend.

[M_Smart007]

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@NoMoreE46 wrote:

I have gotten several 0% BT offers from Cap1, (active balance) Wells Fargo and just today,  PenFed.   Some are physical mailers and some are via email.  I don't ever recall getting so many from different issuers all within the past two to three months.   Just wondering if BT offers are profile specific or sent out en masse?

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BT offers seem to be more common after the Holiday's, but I also believe they are profile dependant.

I seem to be getting weekly checks from Chase, HSBC, with online offers from BBVA, Citibank and BoA.

[blindambition]

I'm getting from Chase, Barclays, and Cap One. Avoiding them all. I've seen AA on BT. While these may be profile specific, not risking it.

[thornback]

Yeah - PenFed & Citi send me BT offers constantly.  They both love to send me checks...   I don't know if it's profile specific or just their thing.  I don't carry balances (unless utilizing a BT) but I do have a bit of debt (student loans) resulting in a somewhat high DTI so maybe that's why...¯\_(ツ)_/¯

[Ragdollkitty]

Only offers I was getting was from Commerce Bank in the mail. I got some BT offers in my online account from some banks with which I already have existing cards.

[NoMoreE46]

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@JNA1 wrote:
I’m getting them like crazy from BBVA and PNC. I think everybody his trying to get BTs to get you to transfer that Christmas spend.

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Ooh yes. Makes sense- the post Christmas balances.  

[Gmood1]

As mentioned earlier, the Christmas after party is what these FIs are hunting for now. lol

Chase, Citi, PNC, Wells Fargo, Penfed, NASA FCU, Navy Fed, BBVA, Commerce bank, BofA, US bank and probably some others I can't remember at the moment. 

They've been flooding the mailbox and email with these offers.

When my overall balances report above $4k or so.The loan offers roll in hard. Lately been running up around $8k a month.

Best egg, Marcus by Sachs, BBVA, Amex, Citi and a few others pester me with loan offers nearly every day.

Sad part is, when you need a loan.

You can't get one. And when you don't. They'll give you keys to the vault. 😂

I was goofing around in my Amex account today. And checked to see what they'd let me go over on a card with a $9k limit.

I bumped it up several times and just stopped asking at $35,000! 😆

Soooo Amex gives me a $9k limit but has no problem allowing me to spend $26k over that? Wow..only in your dreams Amex. Only in your dreams.😂

[Anonymous]

Capital One hasn't shown me any BT offer luv since 2018 and Disco offers dropped off in January. 

BBVA is offering me 0% for 6 months with 4% fee, 3.99% for 12 months with 4% fee, and 4.99% for 18 months with 4% fee online at this moment but they usually send me 0% for 12 and 9.99% for 36 BT checks in the mail. 

I wouldn't use any of them right now so it doesn't really bother me but part of me misses Capital One trying to get me to spend. 😂 

[issac2x]

It's Sears and UMB for me.