Citi DC Balance Transfer Question

[Beast26]

If my girlfriend has a balance on a card and she need to do a balance transfer to a new citi double cash card, is there a fee for the first 18 months or does she have to pay the 3% fee?  Just making sure I understand the card before my girlfriend applies.  I see it says 0% intro Apr and balance transfers but it says like 4 different things about balance transfers.  She has a balance on her lowes card.

[Remedios]

Fee for doing BT is 3% of the total balance being transferred.

0% apr on the transferred amount untill BT period expires.

So, yes, she would pay 3% fee, but no additional interest for 18 months. 

If there is a balance after 18 months, that amount becomes subject to regular apr. 

[Anonymous]

Citi will tack on a 3% fee, but will not charge interest for 18 months.

Also if she isn't aware, she won't get 2% cash back on her BT

edit for typo

[Beast26]

Thanks guys!  Quick question.  Is there a card without a balance transfer fee or should I go with citi double cash for her?  She doesn't have a flat rate 2% card.

[Remedios]

@Beast26  I don't know how Citi handles purchases while BT is present, but as a general rule, if BT is on the card, you don't use that card for purchases unless it comes with 0% intro apr for purchases, also. 

[simplynoir]

And to answer your second question, OP, here's a thread to help you get started on some cards/banks that are offering 0% BT offers

https://ficoforums.myfico.com/t5/Credit-Cards/Are-banks-issuing-new-cards-with-Balance-Transfer-intr...

[Remedios]

How big of balance is she looking to transfer? 

Citi is very unpredictable with SLs.

At the time when most of my cards were in $15K to $25K range, I was approved for Premier with $5200.00

Is her credit okay or are there things that could use some improvement?

To answer your question, outside of NFCU, I only know BECU offers 0%, $0.00 fee on BTs if approved, but joining if you don't live in WA can be a pain. 

[Loquat]

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@Remedios wrote:

How big of balance is she looking to transfer? 

Citi is very unpredictable with SLs.

At the time when most of my cards were in $15K to $25K range, I was approved for Premier with $5200.00

Is her credit okay or are there things that could use some improvement?

To answer your question, outside of NFCU, I only know BECU offers 0%, $0.00 fee on BTs if approved, but joining if you don't live in WA can be a pain. 

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My experience with Citi has been similar to that of @Remedios whereas I've never gotten out of the gate with a high limit with them.  The best I ever got is a flat $5k on my Prestige approval.  All of my other cards (including the Prestige) have grown nicely with them over time but I've never had a SL that was anything to write home about. 

[Beast26]

Ex 770

Tu 723

Eq 835

I think her last account opened was over a year ago too.  Citi pulls Eq here in NC.