How long will your existing credit card companies keep sending you 12 to18 months 0% transfer offers

[Anonymous]

How long will your existing credit card companies keep sending you 12 to18 months 0% transfer offers?

12 months ago my credit  score was very low at about  650 , 0% percent  transfer offers never came.

But after I boosted my score all the way up to 800 , capital one, chase, Barclay cards , commerce bank card,  all sent me 0% percent transfer offers.

I'm not ready do the transfers right now , I need to apply for a bunch of new cards later on before I do all the transfers , but I'm worried  that they may stop sending  me offers later on

Now the big question  is I plan to maintain my score at about 800 for the next 6 to 12 months,  will they keep sending me 0% percent transfer offers by 6 to 12 months later on? Advice would be greatly appreciated  , thank you

[Anonymous]

The problem is I'm not ready use this LIFE of balance offer right now,  I need to maintain my very low credit utilization , for a long while , the question is will they send me this rare LIFE of balance  transfer offer again maybe 6 to 12 months later?

[Gmood1]

You should continue to receive them. Especially if you're allowing balances to report and paying the bills on time.
You have nothing to worry about.
I get swamped some weeks with them. It's been that way for a year and a half, with no signs of letting up. Citi, BofA and Chase send a ton of offers! Capitol One has slowed down by comparison.

Some lenders seemingly have ongoing offers that update and show in your online account.

[Gunnar419]

I have found these offers to be frustratingly inconsistent. Companies will swamp me with offers for a year or so, then quit just when I'd finally like to use one. There seems to be no accounting for the reasons, with no big changes in my credit picture.

[Berk]

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@Gunnar419 wrote:

I have found these offers to be frustratingly inconsistent. Companies will swamp me with offers for a year or so, then quit just when I'd finally like to use one. There seems to be no accounting for the reasons, with no big changes in my credit picture.

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You can always call and ask if they have any BT offers available. Especially if they offered them to you in the past. All they can say is "No."

[AverageJoesCredit]

I wouldnt know, i never get 0% bt offers just standard 3% ones

[Anonymous]

Which companies are suddenly stop giving you 0% percent balance transfer offers?

[Gunnar419]

Both Barclays and Discover have offered, then not offered 0% terms. I've found as many as four different BT offers at a time on my Barclay card (Commence, formerly Sallie Mae), then other times nothing worth looking at.

When I want such a thing, I do check their websites and sometimes there's something there they haven't promoted to me. The last time I wanted to to a BT, I checked Chase online and found the best terms there when I've never otherwise found particularly great BT terms there.

I don't know about anybody else, but for me it just varies over time. My scores are all over 800, my util always reasonable, but the cc companies seem prone to different moods. I can't explain it.

[UpperNwGuy]

I don't understand the problem.  Citi Simplicity and Chase Slate have had 0% balance transfer offers available to the general public -- not just to current cardholders -- continuously for the last 4-5 years.  It's a safe bet that these offers will still be there in the near future.  If you need a 0% balance transfer, you'll be able to find one.

[Anonymous]

They may give 0% percent Apr transfers to new customers, but I'm not quite sure which company may stop sending offers after 6 months 12 or 18 or whatever after a while to existing customers