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As I do every January, I am currently tweaking my credit reports. I recently applied for a Discover Card and got turned down for High balance ratios. I have this Visa Card from my credit union where I have a $10,500 balance on a $12,000 balance. The interest rate is 14%. My FICO score is 680. Naturally, the obvious answer is pay down the balance dummy! However, can I pay it down with another credit card company where I can transfer the balance to and not be paying a high rate of interest? I am looking for somewhat of a sure thing (based on my FICO score) where I am not applying for multiple cards and piling up those inquiries.
Was just in my local DCU branch and they had signage all over about this offer, though I have not yet received any direct messaging from them about it.
Does anyone have any experience transferring balances between cards owned by the same issuer?
I was just approved for a Chase Sapphire Preferred. I do have a large purchase to make, so I should have no trouble meeting the 3K minimum spending limit to get the bonus. I don't really feel like shelling out 3K at the end of the statement cycle however, and had the idea that I might find a nice balance transfer card and pay it off at my leisure. This may qualify me as a money grubbing, penny pinching so-and-so, which would delight me to no end.
Trouble is, the card that I want happens to be the Chase Slate due to the $0 balance transfer fee. Is that inappropriate? Poor credit etiquette? Frowned upon? Not allowed? Only the last one concerns me, and while the dear Indian ladies that answer my calls and usher me toward meeting their quota have been very obliging and mostly intelligible, I'm not sure that I want to broach that subject with them. I might be a paranoid weenie.
This is my first post, so please forgive any faux pas. All of you have brought me great, analytical joy for the past few months, and a healthy dose of chuckles, so thanks for that!
This thread is to track and predict NFCU and other balance transfer offers. Some of these offers are targeted, and some are open to everyone. They also seem to offer both 0% APR offers and low APR transfers at various times. If you do a balance transfer outside of any of these special offers, it is treated as a cash advance.
As many have posted before, NFCU seems to do the general 0% balance transfer offers about twice year. Many of us are speculating that the next 0% offer will be at the end of August or early September. Please add your own data to this thread, and we can continue to update it and make future predictions.
Please add data in this format:
Source (email, website, etc.)
APR (0% or other)
Term (in months)
Ending date (if known)
Next predicted 0% BT offer: August 29, 2014