COVID: Are most FI sending out BT offers again?

[Credit4Growth]

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@AverageJoesCredit wrote:

Ive been permanently banned from offers for awhile. My guess is those with very strong profiles are the ones with continous offers and others just hit and miss. The only lender who has actually sent me checks is Sears. PSECU has emailed me offers where i can call in for checks or they pay the lender directly. Boa and Disco told me to go Chase FU

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🤭🤫

[Credit4Growth]

@notmyrealname23 

Thanks for that... inlaughed my butt off with that standard reply from Discover.

@AverageJoesCredit, @Ficoproblems247, @Gmood1, @tcbofade,

Thank you for adding to the thread! 

[Credit4Growth]

Thank you @FinStar !

[tcbofade]

Ur wekkum.

While updating my Excel sheet this morning, I did check for more offers, but didn't find any.

I'm waiting for Citi to offer BTs to DW again... I don't know when that will happen, but I expect it before too much longer. 

We shall see.

Currently, we're already carrying zero percent deals on three of the four cards offering us BTs at the moment.    The last offer is good through May, and we'll see if it gets extended... if not, we'll take advantage of it late in May.

[AverageJoesCredit]

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@tcbofade wrote:

Ur wekkum.

While updating my Excel sheet this morning, I did check for more offers, but didn't find any.

I'm waiting for Citi to offer BTs to DW again... I don't know when that will happen, but I expect it before too much longer. 

We shall see.

Currently, we're already carrying zero percent deals on three of the four cards offering us BTs at the moment.    The last offer is good through May, and we'll see if it gets extended... if not, we'll take advantage of it late in May.

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I just dont see the point of bts.....

Lol, @tcbofade , thought you might like a laugh today 😉 😜 

[lhcole77]

@Credit4Growth  My recent offers are similiar to @FinStar .

Wells Fargo, NASA, SDFCU, Pen Fed, Citi, Discover. My offers range from 12-18 months. And SDFCU gave me 0% APR with 0% fee for 12 months 

Grateful for these offers because they are allowing me to pay down my debt faster with very reasonable effective interest rates.

[Credit4Growth]

Thank you @lhcole77 !

... and WaybTo Go SDFCU!
0% APR and 0% fee would be a dream to most, or at least myself.
I could find plenty to utilize such an offer.

How long have you been a member with that CU?

[tcbofade]

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@lhcole77 wrote:

@Credit4Growth  My recent offers are similiar to @FinStar .

Wells Fargo, NASA, SDFCU, Pen Fed, Citi, Discover. My offers range from 12-18 months. And SDFCU gave me 0% APR with 0% fee for 12 months 

Grateful for these offers because they are allowing me to pay down my debt faster with very reasonable effective interest rates.

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Yeah, that! 

I'm hoping that Navy's zero percent balance transfer offers return next year... 

We'll all find out together.

[lhcole77]

@Credit4Growth  Yeahh bayyyybayyyyyyy! I've been with SDFCU for 7 years. They send me BT checks at least once a year, sometimes twice. The fee is always 0%, and the APR has ranged from 0-2.99%. Last year they even gave me a SP CLI and checks at the same time. It felt like it was Christmas in July  Very happy with SDFCU!!!

@tcbofade Come on, Naaaaaaaaaaaaaaaaaaaaaaaaavy! Come thruuuuuuuuuuuuuuuuuuuuuuuu!

[tcbofade]

OK, so now FNBO site is working again... and I have a new balance transfer offer from them!

As I'm already at 46% utilization on my FNBO card, I'll let the offer pass, but it's nice to be invited!