Discover Balance Transfer Help?

[Anonymous]

Hello guys,

Quick question.

I've had a discover it credit card for about 3 years / current CLI $19,900

I need to transfer a large amount of balance over from my Amex Everyday, only issue is that I currently don't have any offers for Discover when it comes to balance transfers. I've spoken to reps and they tell me that the system updates daily so I should check it on a daily basis, which i've been doing but nothing

Does anyone know how true is this? or how random the BT offers are?

I currently paid the Discover card completely and owe nothing on it (0% Utilization) I dont know if that helps or makes it worse for balance transfer offers.

Any help or suggestions will be greatly appreciated.

[austinguy907]

I've not used the BT option but, use of the card monthly and PIF on autopay seems to result in constant BT offers being there.  Just wait and you should see a 4.99% for 15 months or a 0% 12 month option.  Otherwise chat or call and ask if you have any offers on your account.  When I asked for an APR offer they didn't have a perm one but did give me another 12 months 0% purchase/BT.  If you pester them enough something will show up

[Anonymous]

I had hulu set up on my discover while it was secured. After they unsecured I had a daily BT offer for 0% for 12 months. I took advantage of it to get a small ($300) Balance off a high interest card and moved hulu to another PIF card. Now I have monthly offers for 0% with a fee or 4.99% without one. So usage obviously makes some difference in availability. If you havent been using it, it might help to let a small balance post to the statement and then PIF. But that doesn't really help if you needed to do the transfer asap.

[SouthJamaica]

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@Anonymous wrote:

Hello guys,

Quick question.

I've had a discover it credit card for about 3 years / current CLI $19,900

I need to transfer a large amount of balance over from my Amex Everyday, only issue is that I currently don't have any offers for Discover when it comes to balance transfers. I've spoken to reps and they tell me that the system updates daily so I should check it on a daily basis, which i've been doing but nothing

Does anyone know how true is this? or how random the BT offers are?

I currently paid the Discover card completely and owe nothing on it (0% Utilization) I dont know if that helps or makes it worse for balance transfer offers.

Any help or suggestions will be greatly appreciated.

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It seems odd to me. Whenever I click on balance transfer on the Discover site, I get 2 alternative options, an interest free option with a fee, or a fee-free option with 4.99%.

[Anonymous]

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@SouthJamaica wrote:

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@Anonymous wrote:

Hello guys,

Quick question.

I've had a discover it credit card for about 3 years / current CLI $19,900

I need to transfer a large amount of balance over from my Amex Everyday, only issue is that I currently don't have any offers for Discover when it comes to balance transfers. I've spoken to reps and they tell me that the system updates daily so I should check it on a daily basis, which i've been doing but nothing

Does anyone know how true is this? or how random the BT offers are?

I currently paid the Discover card completely and owe nothing on it (0% Utilization) I dont know if that helps or makes it worse for balance transfer offers.

Any help or suggestions will be greatly appreciated.

---

It seems odd to me. Whenever I click on balance transfer on the Discover site, I get 2 alternative options, an interest free option with a fee, or a fee-free option with 4.99%.

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Yeah I know. It was doing the same for me but only showing one offer: 0% for 12 months (3% fee applies) it was showing that daily everytime I would logon.

I usually charge a coupld hundred and PIF. Now when I most need it Discover takes away the offer... my luck

[Anonymous]

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@austinguy907 wrote:

I've not used the BT option but, use of the card monthly and PIF on autopay seems to result in constant BT offers being there.  Just wait and you should see a 4.99% for 15 months or a 0% 12 month option.  Otherwise chat or call and ask if you have any offers on your account.  When I asked for an APR offer they didn't have a perm one but did give me another 12 months 0% purchase/BT.  If you pester them enough something will show up

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Thank you.

I'm actually going to try that, asking for an APR reduction/offer and hopfully I don't have one on the system, but they in turn counter with an offer for a BT offer, which is what I am really looking for.

If it works.. You're the man Austin!

[Anonymous]

SouthJamaica I see the same BT offers. DId not know they did other offer options except upon account opening. Always helpful to know what is going on.

[Anonymous]

Thank you Austin.

Update: Was checkign everyday for BT offers.

Had the balance at 0 for about a week and a half and the offer for (0% 12 months / 3% BT fee) was on my account yesterday the 19th.

Thank you, have a good one.

[Anonymous]

Thank you Fluffy.

Update: Was checkign everyday for BT offers.

Had the balance at 0 for about a week and a half and the offer for (0% 12 months / 3% BT fee) was on my account yesterday the 19th.

Thank you, have a good one.

[Anonymous]

Thank you Jamaica.

Update: Was checkign everyday for BT offers.

Had the balance at 0 for about a week and a half and the offer for (0% 12 months / 3% BT fee) was on my account yesterday the 19th.

Thank you, have a good one.