CiTi Double CASH BT Offer Question

[Wavester64]

With the turn of events happening with Sofi and my plans on cancelling their card before the cut off, I realized its been a while since I apped for a card (almost 18-months) and my NEW accounts #s looked good, so I checked Citi's pre-approval offer section to see if the Citi DC would be pre-approved, and it was. I usually do not go for it without giving some thought, but I wanted another 2% card, I decided to give it a try and boom, approved for $13.8K 

So one of the offers after getting the approval is 18-month BT offers with 0% APR and 3% transfer fee.

My question is : how long once the account is open can you still do a BT offer?

Per Google (AI) they state the following:

"...The Citi Double Cash Card offers a 0% introductory APR on balance transfers for 18 months, but you must complete the transfer within the first four months of opening your account to get that rate and the lower 3% balance transfer fee; after four months, the fee increases to 5%, and the regular variable APR applies after the 18-month intro period. .."

Is this correct? I trust my fellow MF'ers more than I trust Google 

Also, I am assuming, if the 4-month time limit is correct, multiple BTs can be done during that time, correct? If I did say $1000 BT now, I could do say another $1000 30-days from now without any issues and still take advantage of that deal?

Too bad SoFi went down this route. IMHO they are going to lose a lot of customers this way.

PS: Another odd thing to note : I recall 7-years ago applying for the Citi DC and getting declined and they pulled EX. This time, for the same card (though I have since moved) they pulled EQ. Maybe its because I moved? 🤔

[Vinjints]

Don't know specifically about the DC, but I just did my first ever BT with the same (similar*) offer on the CCC. While that BT went through, the fee continues to show pending. The BT offer is still there since I haven't exhausted my available limit. I would assume the same would apply to the DC.

Congratulations on the new card. I think it's the right move given what SoFi is doing.

*My CCC was not part of the sign on terms, but came shortly after my initial 0% apr period ended.

[Follower]

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@Wavester64 wrote:

Also, I am assuming, if the 4-month time limit is correct, multiple BTs can be done during that time, correct? If I did say $1000 BT now, I could do say another $1000 30-days from now without any issues and still take advantage of that deal?

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I can confirm (albeit my experience was with a Diamond Preferred MC) that you can BT all you want, whenever you want, for those first 120 days and the 3%/0% offer will hold.

[SeanA]

It should say in the terms and conditions. I think it's 4 months. But the 0% period starts at account opening.