Balance Transfer Offer for existing Cardholders are gone?

[pete19103]

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@Namaste7 wrote:

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@pete19103 wrote:

  I have had 0% BT offers from both  Chase Freedom and Freedom Unlimited for several months (and took advantage of a couple) but the last ones expired 4/30 and nothing new for this month. I had BT offers for several months from Cap1 Quicksilver but didnt renew in mid April.

  My Discover It BT expires 5/12 so be interesting to see if it renews after that.  I have Bank of America BT checks expiring 5/18/20 and I usually receive checks in the mail every  few weeks good for a couple months but havent gotten anything recently so thats probably the last one too.  Wells Fargo stopped offering me BT a couple months ago.  

   BT offers have been disappering from new cards too(none listed now for the Freedom and the FrUnlimited) and BT cards like Chase Slate and BOA BankAmericard have disappeared from issuers websites.

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I had no idea BofA pulled the BankAmericard from the website. What is wild is that card shows up on my account as a special card with a fixed APR. I also see it shown in the "check your offers" section. I guess they are limiting to the card to those that are highly qualified.

The other thing I noticed is that the CashRewards is now being marketed as a Visa card again. IIRC, it was marketed as a MasterCard during 2019.

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BOA has been emailing me about applying for the BankAmericard every couple weeks lately(last email was 4/20)  I clicked the "apply now" link out of curiousity and it still works but I didnt fill out the application to see what would happen; I just got approved last week for the AAA credit card from BOA with its sweet $200 sign up bonus so thats it for me for now.   The AAA card had a 0% BT option when I applied last week but that has disappeared from the card landing page now. 

[devilnic]

So has anyone else experienced no more BT's during this Covid-19? Just wondering. Before all the covid-19 stuff i was haveing a really bad year job wise. Got laid off in January for no reason and took me 3 months to find a permanent job. Was working contract jobs in between. So no, I haven't missed any payments on anything. And believe it or not since getting laid off was making $220 more a week. Now I'm making $230 more a week. Both my cards were supposed to have a year of 0% financing and balance transfers. 

[Anonymous]

Nope, all the regulars are still available for me. 

[K-in-Boston]

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@devilnic wrote:

Discover and American express no more BT?

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As with many others here, Disco and many other lenders' offers are all still available for me.  As for Amex, it's quite rare for them to offer balance transfer to existing cardholders.  That is generally only extended at the time of getting a new card that offers it.

[Anonymous]

Have a bigger purchase on the horizon that I'd rather space out--and in the process would prefer to avoid needing a new card I don't really need to acquire a 0% APR offer. As the subject heading states, I am wondering if people are hearing of/seeing 0% APR BT or even temporary 0% APR reductions from their lenders at this time. I would imagine they are few and far between. 

I think my Citi BT offer for the DoubleCash went away. Not really seeing anything else either through currnet lenders. 

[Anonymous]

Yes.

Major banks have scaled back on their BT offers. Not all, but alot.

[Anonymous]

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@Anonymous wrote:

Have a bigger purchase on the horizon that I'd rather space out--and in the process would prefer to avoid needing a new card I don't really need to acquire a 0% APR offer. As the subject heading states, I am wondering if people are hearing of/seeing 0% APR BT or even temporary 0% APR reductions from their lenders at this time. I would imagine they are few and far between. 

I think my Citi BT offer for the DoubleCash went away. Not really seeing anything else either through currnet lenders. 

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Wells Fargo's platinum card has a 18 month intro apr on purchases AND balance transfers

[Remedios]

Depends, really. Chase is bombarding my inbox with BT offers and reminding me daily of Chase loan option.

I looked, and Citi BT offer is gone.

Dont have one from Disco (that went away long time ago). 

US Bank has BT offers for both Cash+ and AR (as if that would ever happen 😒) 

[Anonymous]

interesting...

Chase took away all of my BT offers. Biz and personal cards.

Have you ever used yours? Because I used mine twice.

[Anonymous]

yes but you have to apply for those.

If you already have a BT-friendly credit card, usually you have access to special BT deals. But recently they've disappeared. It was good because you didn't have to apply for anything new to get cash in hand.