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Bump as I got an interesting offer.
to previous reply my Income is from business. So I have income for the year.
I just recieved an interesting offer from suncountry. Checks for APR of 6.99% for life w 1% fee. That sounds pretty freaking awesome. I couldn't believe my eyes that someone still offers basically 8%!?
I think this route makes a lot of sense, the only issue is the card will be maxed out, so again I am thinking how to play this right.
Go up to 79% on this, and then the rest into a 0% thing, or find another thing with low % and put it there, unless I can get BOA to lower their apr.
Why not use the offer from BofA?
They usually send 2 offers. 1.99% interest + 0% BT fee or 0% interest + 3% BT fee. Ive been getting these repeatedly for 2 years. I'm thinking of using them to buy a truck or two.
@BM3 wrote:I just recieved an interesting offer from suncountry. Checks for APR of 6.99% for life w 1% fee. That sounds pretty freaking awesome. I couldn't believe my eyes that someone still offers basically 8%!?
I think this route makes a lot of sense, the only issue is the card will be maxed out, so again I am thinking how to play this right.
Go up to 79% on this, and then the rest into a 0% thing, or find another thing with low % and put it there, unless I can get BOA to lower their apr.
Who cares about Utilization when you're about to pay 20%+ interest on 15K? Scores come back when you pay it down. Run the #'s in a calculator and see for yourself.
1% BT fee is $150 (unless they have a max fee) but, over the course of even a year or two you'll save a ton on interest.
How does that 6.99 APR compare to rates from CUs?
Im still open to hearing who offers good BT right now, I see some 8-9 month ones I dont want.
Cheers
The 6.99% one is one of the best I've seen. Most CU cards give you 6-12 months. The traditional banks you already know about.
If I was about to get hit with the interest you're looking at I wouldn't think twice about taking the offer and running with it. Even personal loans don't usuallt come in that low.
Apply @ Penfed. No Brainer!