The Master Balance Transfer Thread

[mendelssohn]

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:

 

Date

Source (email, website, etc.)

APR (0% or other)

Term (in months)

Ending date (if known)

 

Next predicted 0% BT offer: August 29, 2014

[BobWang]

[BobWang]

NFCU cashRewards Pre-Approval

 

Date: August 15, 2014

Source: Snail Mail

APR: 0%

Term: 15 Months

Ending date: August 31, 2014

 

http://www.navyfederal.org/ccoffer

https://www.navyfederal.org/apps/cc-promo-app.php

 

Acceptance Code: 24302

[mendelssohn]

 

 

NFCU cashRewards Pre-Approval

 

Date: August 15, 2014

Source: Snail Mail

APR: 0%

Term: 15 Months

Ending date: August 31, 2014

 

http://www.navyfederal.org/ccoffer

https://www.navyfederal.org/apps/cc-promo-app.php

 

Acceptance Code: 24302

BT on the new app?

[BobWang]

For a new app,

 

the offer was 15 months 0%, $0 Fees for BTs

[shifter]

Wow that's sweet.

 

Do they also send you convenience checks?

[BobWang]

Well, that was for new apps,

 

I don't have any Navy CCs,

 

but I imagine they DO send out the other kind of CCs

[tammylj]

Do they ever have these promos for existing accounts?

[mendelssohn]

Do they ever have these promos for existing accounts?

Yes. Read the first post.

 

We are going to track all NFCU BT offers here.

[BobWang]

The very fact that I only had 2 weeks to act on this offer,

 

portends a new round of offers.

[tammylj]

 

Do they ever have these promos for existing accounts?

Yes. Read the first post.

 

We are going to track all NFCU BT offers here.

Ugh, sorry. It's just been one of those days.

[mendelssohn]

The very fact that I only had 2 weeks to act on this offer,

 

portends a new round of offers.

Yes, I'm guessing the 0% BT offer for existing card holders is coming.

 

I don't want a second card with them and don't need a BT offer, so someone else will have to GP that offer.

[CTSoxFan]

It used to be that they did it once a year, usually in February (figure to capture the "I spent too much on Christmas and now I can't pay it all off crowd"). Last year, they did one in September, but I believe that was tied to their 80th anniversary (or so they pitched it), so I wouldn't be counting on one for the fall...but you never know.

 

I am hoping for the 0%/$0 fee option to come around in early 2015 again...right when I will have to move a balance around.

[BobWang]

Lucky,

 

what do you think of asking a mod

 

to remove NFCU from the thread title,

 

and make this The Master Balance Transfer Thread

[mendelssohn]

Sounds like a good idea, especially since it's looking like NFCU won't be doing too many of these offers. It would probably help people looking to get out of CC debt.

[BobWang]

If any mods are listening,

 

can you remove NFCU from the title?

 

I'll also ask Mom.

[mendelssohn]

Thanks, and good idea BW*.

[mendelssohn]

This thread is to track balance transfer offers. Some of these offers are targeted, and some are open to everyone.

 

Please add data in this format:

 

Issuer

Date

Source (email, website, etc.)

APR (0% or other)

Term (in months)

Ending date (if known) or ongoing

 

Could we also change the first post to this?

[mizliz1011]

If any mods are listening,

 

can you remove NFCU from the title?

 

I'll also ask Mom.

Bob, who is "Mom"? Is she your mother who is on this board as a moderator or owner or is the title one of respect/ deference? Or are we not supposed to ask??

[shifter]

title one of respect/ deference

[Cappy]

 

 

If any mods are listening,

 

can you remove NFCU from the title?

 

I'll also ask Mom.

Bob, who is "Mom"? Is she your mother who is on this board as a moderator or owner or is the title one of respect/ deference? Or are we not supposed to ask??

Mrs. Breeze

[mizliz1011]

so Bob is actually Bob-by Wheeze?

 

sorry, I could not resist it.

 

Its been a very long day...I am in NYC in the heat wave with no a/c.

[BobWang]

You also DON'T want to make Mom unhappy.

[nysbadmk8]

In the mail the other day-

 

Issuer- BOA
Date- 8/30/14
Source (email, website, etc.) Mail-
APR (0% or other) 0% or 1.99%
Term (in months) 0% till august 2015, Or 1.99 til Sept 2015
Ending date (if known) or ongoing - Didnt look.

 

3% fee-

[mizliz1011]

Mrs. Bob's Mom- I meant no disrespect. Bob, same. It is just all so mysterious.

 

And I am still confused whether you or HLynne is a french model...

 

And I still don't know if you all actually know one another or just have sterling memories for msl. facts out of historical posts.

 

For all I know, I know nothing... Except that it is a very humorous board with some very witty members.

 

And that HL is the queen cat who builds pyramids.

 

And that my sister's old BF told me that I was an salamander to try to repair credit without this board. and I agree.