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Date:
September 21, 2007, 11:59 am |
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is there a card that is 0% on balance transfers, and 0% apr for atleast 12 months with no transfer fee
I would like to appy for a credit card with a $20,000 balance,so I can transfer all my accounts onto one and have one payment. Is this possible if I have very good credit? |
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Answer:
In case your credit score is more than 660, you have a nice possibility to save your money and consolidate your debt by obtaining one of our best balance transfer cards. We advise you to study all the offers we present carefully to choose the one that will suit you best with its financial conditions. For instance, the Platinum Visa Card of the Chase Bank has 0% purchase and balance transfer APR for the period of 12 months, no annual and low balance transfer fee of 5$. The limit of the card will be established by the bank depending on your history, you may only know the minimum and maximum limits as they are given in the details' information of each card. Please mind the fact that the balance you would like to transfer may be no more than the limit of a card you apply for otherwise you will have to ask the bank for extending and, furthermore, pay a fee for the overdrawing. All the best, Manager of Immediate Credit Card Care Service |
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Date:
September 21, 2007, 12:00 pm |
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How can I go about extending my 0% apr for another 6 months? |
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Answer:
Indeed, the majority of the banks and credit companies that issue the best credit cards we present here, offer the introductory APR of 0% as a possibility for you to save your money while using the card. Still it is available only for a set period of time, usually from 6 to 12 months and cannot be extended. In case you would like to save your money and, what is also important, consolidate your debt, we recommend you to apply for one of our best balance transfer cards with o% APR until the debt is paid off. The two things you should pay attention to are the following: the cards of this type are only available for people with good or excellent credit history, and, second, the limit of the new card should be more than your balance on the old one. Please do study all the offers before applying carefully so that you will be able to choose the best card for you. All the best, Manager of Immediate Credit Card Care Service |
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Date:
October 3, 2007, 11:29 am |
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I owe multiple credit card balances after a long divorce. Should I consolidate the small balances separately from the larger? I have a good credit score, always pay on time, however the finance charges are rising. Do I dare apply to transfer to 0% cards? Will that hurt my credit?
Which card should I apply for to transfer a balance? I want no transfer fee and I need a 12 month payment at 0% interest.
Thank you,
Joniece |
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Answer:
Our best balance transfer cards have been especially created to help people to consolidate their debt and save money. They are available for all the applicants having or excellent credit score and offer the financial conditions that you may find worth considering. Thus, the Discover Card and Chase Bank issue their products that may satisfy your demands, while the American Express offer 0% introductory APR for the period of 15 months. Moreover, you may be interested in some bonus and rewards programs. Still all of the cards of this type have a balance transfer fee and you should pay attention to that. Besides, the application will surely hurt your score, as it usually does, however, the denial will spoil it to a greater extent. We recommend you to look through all the variants to choose the one that suits you best, and make sure you are eligible for the card before applying. All the best, Manager of Immediate Credit Card Care Service |
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