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NFCU Flagship Visa Balance Transfer Question

The last post in this topic was posted 2513 days ago. 

 

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So I have a question regarding taking advantage of a balance transfer offer on my new NFCU Flagship Visa Sig account. There's an offer of 0% APR on BTs for 12 months.

 

I've never used a credit card for the purpose of doing a BT so I'm just trying to get an idea of how it works. Say I want to transfer a balance of $280 onto the card but before the transfer is actually completed/posted I have a payment due on the account for $30 and I pay it. Will the transfer when it goes through just be auto adjusted to the current balance on the card that I'm transferring from? Or will the overpaid amount be held and applied to future purchases?

 

i know this is probably a stupid question but again, I've never used a credit card for balance transfer purposes.

 

thanks for the help in advance!

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BT with NFCU is slow. You will need to make sure to do a minimum payment on the card you are transferring from. When the BT goes thru, you will have a credit balance. It is better to have a Credit Balance then have a late fee on the card.

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BT with NFCU is slow. You will need to make sure to do a minimum payment on the card you are transferring from. When the BT goes thru, you will have a credit balance. It is better to have a Credit Balance then have a late fee on the card.

i understand that. but what i meant was will the BT amount be automatically adjusted to reflect the new balance after making the minimum payment that would be due while waiting for the transfer to complete.

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BT with NFCU is slow. You will need to make sure to do a minimum payment on the card you are transferring from. When the BT goes thru, you will have a credit balance. It is better to have a Credit Balance then have a late fee on the card.

i understand that. but what i meant was will the BT amount be automatically adjusted to reflect the new balance after making the minimum payment that would be due while waiting for the transfer to complete.

 

If you requesting a BT on NFCU for $280, than that is what will be posted once the BT is processed.

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