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0% credit cards #4619716
12/31/17 02:42 PM
12/31/17 02:42 PM
Joined: Oct 2006
Posts: 8,002
OH
grampi Offline OP
grampi  Offline OP
Joined: Oct 2006
Posts: 8,002
OH
I am thinking about getting one to transfer my current card's balance onto so I can pay it off sooner. My current card has a fairly low fixed rate (9.9%), but I'd be able to pay off my debt sooner with a 0% card. Is there anything I need to look out for?

Re: 0% credit cards [Re: grampi] #4619723
12/31/17 02:46 PM
12/31/17 02:46 PM
Joined: Aug 2008
Posts: 3,147
USA
Reddy45 Offline
Reddy45  Offline
Joined: Aug 2008
Posts: 3,147
USA
I assume it's a 0% APR for some short term like 12 months? And is the balance transfer rate also 0%?

Re: 0% credit cards [Re: grampi] #4619728
12/31/17 02:49 PM
12/31/17 02:49 PM
Joined: Aug 2004
Posts: 4,627
Katy, Republic of Texas
blupupher Offline
blupupher  Offline
Joined: Aug 2004
Posts: 4,627
Katy, Republic of Texas
Yup, be aware of the fine print, it may be a 0% on purchases, but balance transfers may be different.


1994 Honda VT1100: Peak 15w-40/PSL/2500 mile OCI
2002 Ford F150: GTX HM 5w-20/EcoGard Syn/1yr OCI
2012 Scion xB: QSUD 0w-20/CQ Blue/5k OCI

Re: 0% credit cards [Re: grampi] #4619729
12/31/17 02:49 PM
12/31/17 02:49 PM
Joined: Mar 2013
Posts: 4,754
The Midwest
skyactiv Offline
skyactiv  Offline
Joined: Mar 2013
Posts: 4,754
The Midwest
How much do you have on your credit card(s)?


Wife: 15' Audi A4 quattro 6 speed manual
Me: 13' VW GTI 3 door 6 speed manual
Re: 0% credit cards [Re: grampi] #4619733
12/31/17 02:53 PM
12/31/17 02:53 PM
Joined: Nov 2009
Posts: 4,941
Houston, Texas
motor_oil_madman Offline
motor_oil_madman  Offline
Joined: Nov 2009
Posts: 4,941
Houston, Texas
Just watch them add the interest rate for 12 months onto the bill if you don't pay it in full.


2007.5 dodge cummins 6.7 liter. Chevron Delo400 15w40. 7000 mile or 250-300hr intervals.

Re: 0% credit cards [Re: grampi] #4619736
12/31/17 02:57 PM
12/31/17 02:57 PM
Joined: Jul 2015
Posts: 3,774
New England
madRiver Offline
madRiver  Offline
Joined: Jul 2015
Posts: 3,774
New England
They charge typically to transfer in a balance. Life happens and emergencies but 10% interest is crazy for everyday purchases.

The interest rate if you miss a payment is very steep and sometimes applied for two months. A work pay check bounced due to a stop payment and cost my company I work for $300 in late fees, penalties and back interest they covered. $150 of it was credit card related.

Re: 0% credit cards [Re: grampi] #4619772
12/31/17 03:24 PM
12/31/17 03:24 PM
Joined: Oct 2006
Posts: 8,002
OH
grampi Offline OP
grampi  Offline OP
Joined: Oct 2006
Posts: 8,002
OH
The Citibank card I looked up has no annual fee, and is 0% for purchases and balance transfers, good for 21 months. The only fee I saw was for 3% on a balance transfer. I'm looking the diamond preferred card...

https://citicards.citi.com/usc/dual/value/dc/dp/2017/December/PS/A/default.htm?m=93BF111111W&cmp=KNC~01~110901~CRDACQXX~Google&BT_TX=1&ProspectID=56EFEE3CAB76474F801DDA237DE33758

Re: 0% credit cards [Re: skyactiv] #4619774
12/31/17 03:25 PM
12/31/17 03:25 PM
Joined: Oct 2006
Posts: 8,002
OH
grampi Offline OP
grampi  Offline OP
Joined: Oct 2006
Posts: 8,002
OH
Originally Posted By: skyactiv
How much do you have on your credit card(s)?


$10K on one card.

Re: 0% credit cards [Re: blupupher] #4619779
12/31/17 03:29 PM
12/31/17 03:29 PM
Joined: Dec 2016
Posts: 6,226
Waco, TX
Linctex Offline
Linctex  Offline
Joined: Dec 2016
Posts: 6,226
Waco, TX
Originally Posted By: blupupher
Yup, be aware of the fine print, it may be a 0% on purchases, but balance transfers may be different.


Purchases are usually higher priced,
but since balance transfers are "big money" for them in one shot,
the balance transfers can be a big money saver.
Have to do the math, though...


"The evidence demands a verdict".
(Re:VOA)"it's nearly impossible to actually know the particular additives that are in there at what concentrations."
Re: 0% credit cards [Re: grampi] #4619780
12/31/17 03:29 PM
12/31/17 03:29 PM
Joined: Sep 2004
Posts: 21,624
Orlando, FL
Mr Nice Offline
Mr Nice  Offline
Joined: Sep 2004
Posts: 21,624
Orlando, FL
Why not just pay off the entire balance ?

Re: 0% credit cards [Re: grampi] #4619781
12/31/17 03:29 PM
12/31/17 03:29 PM
Joined: Nov 2008
Posts: 9,032
Phoenix
dishdude Online content
dishdude  Online Content
Joined: Nov 2008
Posts: 9,032
Phoenix
Originally Posted By: grampi
The Citibank card I looked up has no annual fee, and is 0% for purchases and balance transfers, good for 21 months. The only fee I saw was for 3% on a balance transfer. I'm looking the diamond preferred card...

https://citicards.citi.com/usc/dual/value/dc/dp/2017/December/PS/A/default.htm?m=93BF111111W&cmp=KNC~01~110901~CRDACQXX~Google&BT_TX=1&ProspectID=56EFEE3CAB76474F801DDA237DE33758


Sounds like the way to go! I paid my car off with one a while back and it worked out great.


2018 Challenger SRT
Re: 0% credit cards [Re: grampi] #4619786
12/31/17 03:32 PM
12/31/17 03:32 PM
Joined: Feb 2015
Posts: 106
New Mexico
Saul Offline
Saul  Offline
Joined: Feb 2015
Posts: 106
New Mexico
The very best Balance transfer 0% card is the Chase Slate.

Re: 0% credit cards [Re: Mr Nice] #4619787
12/31/17 03:33 PM
12/31/17 03:33 PM
Joined: Jul 2015
Posts: 3,774
New England
madRiver Offline
madRiver  Offline
Joined: Jul 2015
Posts: 3,774
New England
Originally Posted By: Mr Nice
Why not just pay off the entire balance ?


Not everyone has good credit skills in life or emergencies happen. $10k!!!! @ 10% interest crazy

Re: 0% credit cards [Re: Mr Nice] #4619797
12/31/17 03:43 PM
12/31/17 03:43 PM
Joined: Oct 2006
Posts: 8,002
OH
grampi Offline OP
grampi  Offline OP
Joined: Oct 2006
Posts: 8,002
OH
Originally Posted By: Mr Nice
Why not just pay off the entire balance ?


I don't quite understand your question. Obviously, if I had $10K lying around I would do just that, but like most people with credit card balances, I can only pay so much a month. I will be paying $500 a month, though I might able to squeeze out $600 a month, and my total amount paid would be less if I had 0% interest...

Re: 0% credit cards [Re: Saul] #4619799
12/31/17 03:44 PM
12/31/17 03:44 PM
Joined: Oct 2006
Posts: 8,002
OH
grampi Offline OP
grampi  Offline OP
Joined: Oct 2006
Posts: 8,002
OH
Originally Posted By: Saul
The very best Balance transfer 0% card is the Chase Slate.


Do you have the term details?

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