Does anyone know of any good Credit Card offers for this?

I only found one, Advanta (link below) which is offering 2.99% APR on balance transfers for life, but it seems to be only for business owners (I might be mistaken). Has anyone gotten anything similar or better in the mail recently? Thanks!!!
http://www.cardoffers.com/partners/links/cards/details.asp?id=1144&tempid=271708&SUB=_cards02

5/8/2007 3:50:01 PM

0% for 6 months and 1.99% fixed APR after that for balance transfers to wachovia.

5/8/2007 4:24:42 PM

why do you need low APR balance transfers for any period of time?

Isn't the point to get a good card and offload everything else on to it?

Best damn card out there right now is the BoA Platinum - 0% APR, Bal Transfer, Cash Advance for a year + I believe mine is 10.99% fixed after that.

5/8/2007 7:26:42 PM

my FIA Wachovia card is 4.99% fixed for life.

5/8/2007 8:45:26 PM

I don't give a crap what mine is because I pay it off.

5/8/2007 8:52:42 PM

why pay it off when you can get a better return on investment by putting the money elsewhere? you can stand to make a couple dollars extra every time you make a major purchase.

5/8/2007 9:37:34 PM

get a card that has 0% BT for a year with no fee

transfer most of the limit to yourself in cash (not a cash advance, a BT)

pay off your higher-interest credit cards

any extra, put in an account earning interest

put the payments you would have made to your high APR cards in that account instead

just make sure to a) make a least the minimum payment every month and b) pay it all off before the BT offer period ends

[Edited on May 8, 2007 at 10:04 PM. Reason : clear]

5/8/2007 10:03:57 PM

Quote :

"why pay it off when you can get a better return on investment by putting the money elsewhere? you can stand to make a couple dollars extra every time you make a major purchase."

a balance on a revolving credit account is going to hurt you even if you can make a better return with the money

5/8/2007 10:16:23 PM

i've 3.9% fixed on my capital one card...although this is probably not offered any more

5/9/2007 5:10:40 AM

whoa, i just caught noen's reply. that is not the best damn card at all.

5/9/2007 6:06:01 AM

^^^ that answer isn't right either though

[Edited on May 9, 2007 at 6:21 AM. Reason : .]

5/9/2007 6:20:52 AM

ok, so then explain

5/9/2007 6:35:47 AM

Having a balance does not hurt your credit score, it only hurts it when the balance exceeds half of your limit.


I'm in the same boat I don't carry a balance, but carrying one doesn't hurt your score per se.

5/9/2007 6:43:33 AM

Carrying a balance doesn't hurt you unless you're over 50% of your limit or miss a payment, like was previously said.

5/9/2007 8:21:47 AM

If your credit is good enough, both Discover and Citi offer 0% for life as long as you make 2 purchases/month. The catch there is that the balances with the lowest APRs get payed off first (in this case, that would be your BT @ 0%). So while you carry the BT balance, interest is accruing on your 2 monthly purchases at the regular APR. If you keep the purchases low enough ($1 donations to Wikipedia work, for example), you end up paying really low interest.

I have the Advanta card you speak of... it's very easy to 'own' a business.... just come up w/a good name.

Another good option is to get 2 Citi '0% for 1 year' cards. The '1 year' doesn't start until you request a BT, so here's what you do:

-request BT on the first card, carry that balance for 1 year.
-at the end of the year, pay off that first BT
-consolidate the credit lines (close the 1st card and roll the credit limit into your 2nd card)
-request a BT on the 2nd card

this buys you 2 years @ 0%.

5/9/2007 9:44:03 AM

^ That's it! When did you sign up for it? On the Advanta card, is there anything you needed to fake beyond a name to get the card? How good was your credit? Me and a few friends have various loans we would like to get at a reduced rate, such as a car loan, a high interest student loan or two (6.5%!) Did you get your via direct-mail offers or might there be a website you found to make sure the offers still exist?

THANKS!!!

5/9/2007 12:28:05 PM

I just went straight to the Advanta website and applied for it. They are constantly harassing me to take them up on the 2.99 deal, but I use that card for my bills so i can't (it gets me 5% cashback on utilities).

The only thing I made up was a business name, left the space for TIN blank on the app.

I got this card almost a year ago, they are no longer offering 5% flat cash back (it is now tiered, I think... not that it matters to you)

My credit is very good, I forget the exact score but it's high enough that I never get denied. And I apply A LOT.

Personally, I'm doing my car loan on 0% cards, just keep rolling it over when my 1 yr is up.

5/9/2007 1:26:27 PM

American Express always sends me things about 4% apr for life of the balance and no fees for the transfer.

5/9/2007 1:29:37 PM

^that's an important point, about the fees.

A lot of the CC companies have removed the cap for BT fees. It used to be capped @ ~$75, but a lot of them are now just 'x% of the balance transferred' with no maximum.

Watch out for that.

5/9/2007 1:36:20 PM