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BBVA really frustrates me sometimes. They don’t deem me worthy of a CLI but they sent me these checks to get 9.99% for 36 months.
Curiously though, they start charging you 9.99% when they are processed and I still have 0% promo APR until January which is kind of a rip off. No fee though.
I suppose for people that don’t have a CU Platinum card with a lower rate, the 36 months is a good deal, but it’s also variable and not fixed rate.
Has anyone actually used these? I only have a $2K credit limit so it’s definitely useless when I have a lower APR $12,700 Platinum card I can use but I suppose for people who have a large limit, 9.99% V for 36 months is an okay personal loan.
9.99 variable for a personal loan stinks imo as well.. Granted interest rates won't be going up, but down most likely in the next 6-12 months.. Rather have a fixed rate loan any day of the week at say 11-13%, but I got mine at 5.95% for 36 months and is fixed. Anyways not a horrid offer compared to some other blood sucker CC's, but nothing I would consider using although some people might find a use for such a BT situation.
Yeah this isn’t something I would use since my NFCU Plat is $12,700 @ 8.24% (should be 7.99% or less soon, I don’t know when they adjust for the prime rate but assuming quarterly it will go down next month) and has no fee BTs year round but I don’t believe it’s possible to BT to your checking.
36 mo's checks is somewhat unique from what I've seen over the years.
Amex has them beat though.
@Anonymous wrote:36 mo's checks is somewhat unique from what I've seen over the years.
Amex has them beat though.
You can't really compare a personal loan with a balance transfer check offer though. BBVA offers personal loans as well and my understanding is they tend to offer extremely good terms on them.
Maybe not a direct comparison but, fixed APR and no HP. Doesn't consume any of your CL either. No fee's other than interest while you carry a balance.
Checks are always something to be suspicious about when it comes to banks.
Either way there's plenty of options.... If I needed more than 25K I could head over to BOA and DD from there as well up to the full CL but, then there's the 3% vig that they want to charge.
FNBO has this beat with 6.99% APR for the entire life of the transfer and no BT fee. I will be using it in the near future.
Yeah, they sent them to me a couple times when I was about 6 months in as a customer. I got their Clearpoints card a little over a year ago via a mailer invite and they gave me a $16K SL. I was blown away as my EX score at the time was like 660v7.
I never used the 9.99 checks though and have not been mailed any since.