Keep getting BofA no interest BT offers

[migliogiorni]

This is the 3rd straight month I’ve received a BT offer from BofA on my CC. I’ve also received an offer from Citi although not aas good as the BofA one. It feels good to have no interest BT offers just in case of an emergency. First time getting offers like this, love BofA.

[Creditaddict]

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@migliogiorni wrote:

This is the 3rd straight month I’ve received a BT offer from BofA on my CC. I’ve also received an offer from Citi although not aas good as the BofA one. It feels good to have no interest BT offers just in case of an emergency. First time getting offers like this, love BofA.

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My partner kept getting them and after he opened a few of his other cards the next offer he got from BofA had a higher rate after the intro so on the last day the good offer expired he applied and it instantly approved $15k which was higher then his other instant approvals from citi,chase, and discover!

[myjourney]

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@migliogiorni wrote:

This is the 3rd straight month I’ve received a BT offer from BofA on my CC. I’ve also received an offer from Citi although not aas good as the BofA one. It feels good to have no interest BT offers just in case of an emergency. First time getting offers like this, love BofA.

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It feels extremely good feeling wanted by CC lenders

[migliogiorni]

Yes It does. Been a year since I joined myfico and since I've joined my sscores have increased 100 pts. I now PIF and when I don't, I  pay as much as I can. Extremely thankful to this forum and every1's advice and stories.

[lg8302ch]

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@migliogiorni wrote:

This is the 3rd straight month I’ve received a BT offer from BofA on my CC. I’ve also received an offer from Citi although not aas good as the BofA one. It feels good to have no interest BT offers just in case of an emergency. First time getting offers like this, love BofA.

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I have been getting these offers on both of my BofA  accounts for many years and never used them. My system is PIF ..I sleep better that way.  

But after now Barclays is also sending me even better offers 0% APR for 18 months and 3% balance transfer fee I am trying to figure out what a lender's benefit is from a balance transfer at 0% APR? Just the 3% ?  I do not understand.