Balance Transfer Apocalypse

[Anonymous]

Just checked my Disco cards this morning. Miles for the first time has an offer. 0% for 9 months with 4% fee. 

Regular It has the same offer but also has 4.99% for 15 months with 4% fee. 

[tcbofade]

...and no BT offers at all for me or DW. 

[SecretAzure]

My Barclays Ring hasn't had offers in several months, it still doesn't. They warned me about closing the account for inactivity a bit ago which I sorted out with a couple of purchases. The whole point of the Ring is the low interest and BT offers. Without that, it's kind of just a nice low-APR card. 

My scores are 800 and my util has been under 2% for...IDK several years now. I'm not sure why I wouldn't qualify for a BT. I get the market is wonky but still...other lenders are re-opening these offers and better ones at that. 

[Anonymous]

---

@K-in-Boston wrote:

Sounds like I am starting to become the outlier here.  In the years since opening my Discover card, my offers have never faltered from 0% for 12 months with 3% fee and 4.99% for 15 months with no fee.  I just wish the limit were more in line with what other lenders have granted me.

---

This was me too since 2013, until covid hit and they went away. Its back now for 0% for 12 months @ 5% transfer fee or  6.99 for 15 months with no fee. no thanks.