No interest credit cards??

[mom2grace]

Does anyone know of any credit cards that are offering 0% interest on balance transfers? We could use a month or two.............extra to pay off our balance. Gulp! Dave Ramsey would not be proud!

 

[Jen D]

Look on the Upromise.com site and check their Citibank offer--- I got one a month ago that offered 12 month balance transfers for 12 months.

(on edit... I don't see it there now but you may actually have to sign up for Upromise (which is free) to get the offer. Worth a try. Good deal and Citibank is a reputable card..)

(One more edit.. you can go directly to the Citibank site to get this offer.)

Chase often has deals too...

 

[mitushib]

Check out HSBC too. Just got a credit card from them. 0% on balance transfer and 0% on purchases upto 2007. No annual fee. I'll dig out the website if you want it. just pm me.

 

[Luv2trav]

Chase is offering one now too. I got it through the mail. 0% until April 2007 and no transfer fees...

 

[Chicago526]

Just be REALLY careful. Most of the 0% deals hinge on you paying at least the minimum due ON TIME, EVERY MONTH. If you are even 1 day late in payment, they will jack your interest rates up to 20, 25, even 30%. This is called the 'default' rate and is disclosed in the fine print of the offer. Even paying ANOTHER account late can mean you are an "increased credit risk" and they cans still jack the rates. This means you must pay ALL of your bills on time to ensure they cannot raise your rates.

If you go this route, be sure to pay all of your credit cards online, via that credit card's website, at least 5 business days prior to the due date. If you rely on the mail, it may become "lost" in their mail room and magicly found...the day after it's due. And be sure to pay the rest of your bills on time too, even utilities...as many report to the credit bureaus too.

 

[WatchinCaptKangaroo]

The Chase card through Amazon is offering 0% for 6 months, free balance transfers and $30 towards your first Amazon purchase of $30.01 or more.

Amex Blue is offering 4.9% APR for a year and free balance transfers.

 

[mom2grace]

I went to the Chase site, and there is 0% on the balance transfers, but there is a fee for the transfer. I want no fees and 0%. Can anyone help?

We could pay everything off now, but it will really impact our emergency fund. We NEVER carry a cc balance.

I am going to check out HSBC.

 

[mom2grace]

Got one at citibank!

 

[cepmom]

DH just signed up for a Citibank card, 0% until 1/1/07 on balance transfers, no balance transfer fee. It also gives you 5% cashback on purchases at gas stations, grocery stores and pharmacies and 1% cash back on everything else, up to $300 per calendar year. I already have one of my own ~ now we can both earn $300 per year!