Balance Transfer- Hate it when this happens

[Anonymous]

Just used a balance transfer offer from BofA last Friday for 1.99% for 12 months. Log in 

this morning and see a new offer for 0% for 18 months or 1.99% for 22 months. I might 

call and see if they will extend my balance transfer that I just did. Has anyone ever tried

this with BofA?

[CreditMagic7]

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@Anonymous wrote:

Just used a balance transfer offer from BofA last Friday for 1.99% for 12 months. Log in 

this morning and see a new offer for 0% for 18 months or 1.99% for 22 months. I might 

call and see if they will extend my balance transfer that I just did. Has anyone ever tried

this with BofA?

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With BofA the best way to improve your offers is make use of the first one at 1.99% for maybe 60-90 days and as you see the 0% long terms begin to roll in for you.

It's a learning experience so i can understand being bent over it but just go along with it and they only will improve going forward.

If you can though try to keep your utilization low on those with large payments. They absolutely grade you on how well they are handled.

[Anonymous]

Thanks for the info. I will be making fairly large payments. Right now my utilization is at 30% but that will be paid down very soon

[CreditMagic7]

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@Anonymous wrote:

Thanks for the info. I will be making fairly large payments. Right now my utilization is at 30% but that will be paid down very soon

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From the looks of it you'll be receiving ONLY those best BT offers from now too. So get ready to find them monthly.

[Anonymous]

Going forward call the BT phone number before accepting any offers. They may have a better one.

[Anonymous]

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@CreditMagic7 wrote:

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@Anonymous wrote:

Thanks for the info. I will be making fairly large payments. Right now my utilization is at 30% but that will be paid down very soon

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From the looks of it you'll be receiving ONLY those best BT offers from now too. So get ready to find them monthly.

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Agreed! You will get tired of receiving BT checks in the mail.

[RonM21]

That is a tough one when you see it happens. But I agree, going forward you'll see many more offers and depending on how you handle this one, they'll be better.