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Are you getting 0% Interest BT mailers?

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Namaste7
Established Contributor

Re: Are you getting 0% Interest BT mailers?

My primary BT cards are BofA, Disco and PF. I haven't seen an offer from BofA in a few months. Discover offers appear and disappear at random. Penfed sent checks earlier this year.

~~MMXX~~
2024 Goal$
2023 Goal$
FICOs 760+
Message 21 of 31
Namaste7
Established Contributor

Re: Are you getting 0% Interest BT mailers?


@Namaste7 wrote:

My primary BT cards are BofA, Disco and PF. I haven't seen an offer from BofA in a few months. Discover offers appear and disappear at random. Penfed sent checks earlier this year.


In typical Discover fashion, they do the unpredictable and open the gates after my post. I have a 0% offer with a 5% fee 🤮 and 6.99% offer with a 0% fee. If I needed a BT, PF offers lower fees on 0% and a lower BT APR with the Promise card.

~~MMXX~~
2024 Goal$
2023 Goal$
FICOs 760+
Message 22 of 31
Anonymous
Not applicable

Re: Are you getting 0% Interest BT mailers?


@Namaste7 wrote:

@Namaste7 wrote:

My primary BT cards are BofA, Disco and PF. I haven't seen an offer from BofA in a few months. Discover offers appear and disappear at random. Penfed sent checks earlier this year.


In typical Discover fashion, they do the unpredictable and open the gates after my post. I have a 0% offer with a 5% fee 🤮 and 6.99% offer with a 0% fee. If I needed a BT, PF offers lower fees on 0% and a lower BT APR with the Promise card.


I only have Disco offers at the moment. Ironically I used one because I wasn't sure I would get more but to my surprise I received another one with an expiration date of Oct 27. 

Hopefully disco keeps them coming.

Message 23 of 31
coldfusion
Community Leader
Mega Contributor

Re: Are you getting 0% Interest BT mailers?

Disco just emailed me with a 0% 9 mo 4% fee offer, standard APR on remaining balance after the promo ends. 

(3/2024)
FICO 8 (EX) 846 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 24 of 31
Anonymous
Not applicable

Re: Are you getting 0% Interest BT mailers?


@coldfusion wrote:

Disco just emailed me with a 0% 9 mo 4% fee offer, standard APR on remaining balance after the promo ends. 


Same offer here. 

Message 25 of 31
AverageJoesCredit
Legendary Contributor

Re: Are you getting 0% Interest BT mailers?

my Disco offers dried up eons ago. But thats fine. They are one lender i wouldnt want to burn Smiley Wink

Message 26 of 31
joltdude
Senior Contributor

Re: Are you getting 0% Interest BT mailers?

Oh Miss Disco......

Sent me a BT offer today.... 0% for 12 mo with a 3% fee.....

 

Disco.png

 

I have a place id like to use it but dont think i can send it to checking, of course.. 

Id love to put it on the BT already in effect but.....

 

-J

 

Message 27 of 31
Anonymous
Not applicable

Re: Are you getting 0% Interest BT mailers?

2 BT card offers... 

 

One from Wells one from Citi. 

 

No no interest in either one at this time. 

Message 28 of 31
AverageJoesCredit
Legendary Contributor

Re: Are you getting 0% Interest BT mailers?


@joltdude wrote:

Oh Miss Disco......

Sent me a BT offer today.... 0% for 12 mo with a 3% fee.....

 

Disco.png

 

I have a place id like to use it but dont think i can send it to checking, of course.. 

Id love to put it on the BT already in effect but.....

 

-J

 


Congrats J,  looks like she accepted your date offer😄

Message 29 of 31
joltdude
Senior Contributor

Re: Are you getting 0% Interest BT mailers?

@AverageJoesCredit Looks like she's paying for the meal, but I'm stuck with a fraction of the tip or tax.... 

 

Really wish I could share these offers... have no idea why others are getting shortchanged.... 

Love to know what about my credit profile gets her attention....

 

-j

Message 30 of 31
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