[CIBC] 1.99% for life MBNA MC or MBNA 0% interest Mastercard for 15 months or CITI 0%

yjzeng wrote: ↑

Apr 15th, 2008 7:00 pm

I just received my new statement & change of mastercard agreement. It mentioned there will be 3% promotion transfer charge & $25 inactive charge after 12months of no-usage of mastercard.

I'd suggest RFDs should pay more attention to these changes.

Chao,

Jim

what the hell does no-usage of mastercard mean? i did a blance transfer on jan 08 and have been paying minimum payments since then .does that count as usage? or not?

alanbrenton wrote: ↑

Apr 19th, 2008 12:02 pm

Make sure you read the new agreement that came with your credit card and changes to fees and all. I should not have waited for two billing cycles (after paying considerable amount of 0% debt) to elapse to apply once more (cancelled last August) to this wonderful offer. Oh well...

yes, thanks for the reminder. I did see 0% on my first statement and it looks no tricky part. anyway, i was doing the same thing, waited 3 billing cycles to reapply for a new one. :-) (could've been paying my P LOC quicker. LOL)

Last time, my wife and I got 25000$ and it technically saved us 1500$ interests..............

BMNB3tches wrote: ↑

Apr 19th, 2008 4:19 pm

what the hell does no-usage of mastercard mean? i did a blance transfer on jan 08 and have been paying minimum payments since then .does that count as usage? or not?

That fee is only applicable when you have a credit balance.

With regards to the 3% BT fee, the old agreement states 1.5%. This means that for the 0% BT offer, this fee doesn't apply as I was able to do BT's and was not charged the old 1.5% fee.

Any new access codes for citibank? What about a .9 or 1.9% interest credit card?

For MBNA, has the BODX code expired?

There is $35 fees if you are over CC limits. It means the cheque should be written as CC limits - %1 check fees. Correct?

alanbrenton wrote: ↑

Apr 22nd, 2008 12:03 pm

For MBNA, has the BODX code expired?

No, applied last Tuesday and received the card today.

Code BODX is still valid. I just applied.

2maddie2 wrote: ↑

Apr 24th, 2008 1:01 pm

Code BODX is still valid. I just applied.

Me too.! BODX is alive!

I just got a 0% citibank application in the mail. 0% on all balance transfers until April 2009

Promo code is V8G

902linger wrote: ↑

Apr 24th, 2008 8:21 pm

I just got a 0% citibank application in the mail. 0% on all balance transfers until April 2009

Promo code is V8G

Thanks so much. I was waiting for a new access code and you made my night - Alan

Use this link and put in the code that 902linger provided:

http://www.citibank.com/canada/cards/direct/content.htm

902linger wrote: ↑

Apr 24th, 2008 8:21 pm

I just got a 0% citibank application in the mail. 0% on all balance transfers until April 2009

Promo code is V8G

Great news I was hoping for a new code

Thank you,

902linger wrote: ↑

Apr 24th, 2008 8:21 pm

I just got a 0% citibank application in the mail. 0% on all balance transfers until April 2009

Promo code is V8G

I read the terms, it stated that "Promotional Transfer Cheque Fee:
Unless waived or reduced, 3.00% of the amount of each transfer cheque. This fee is added to the principal amount of each transfer cheque. The Promotional Transfer Cheque Fee is 1% for this offer."

looks like I have to pay 1% fee, like MBNA. still a good offer?

ricedion wrote: ↑

Apr 25th, 2008 10:17 am

I read the terms, it stated that "Promotional Transfer Cheque Fee:
Unless waived or reduced, 3.00% of the amount of each transfer cheque. This fee is added to the principal amount of each transfer cheque. The Promotional Transfer Cheque Fee is 1% for this offer."

looks like I have to pay 1% fee, like MBNA. still a good offer?

Where did you read this? I just got my CITI card a week ago,and it had the first part of : Unless waived or reduced, 3.00% of the amount of each transfer cheque. This fee is added to the principal amount of each transfer cheque.

As far as I can find, there is nothing else on mine to state what the Promotional Transfer Cheque fee is

wiebecj wrote: ↑

Apr 25th, 2008 10:24 am

Where did you read this? I just got my CITI card a week ago,and it had the first part of : Unless waived or reduced, 3.00% of the amount of each transfer cheque. This fee is added to the principal amount of each transfer cheque.

As far as I can find, there is nothing else on mine to state what the Promotional Transfer Cheque fee is

from this link http://www.citicards.ca/canada/cards/di ... s_code=V8G

i copy/paste from the PDF file from that page

did u use this code V8G to apply yours? maybe you used a diff code to apply and no 1% fee in your case

wiebecj wrote: ↑

Apr 25th, 2008 10:24 am

Where did you read this? I just got my CITI card a week ago,and it had the first part of : Unless waived or reduced, 3.00% of the amount of each transfer cheque. This fee is added to the principal amount of each transfer cheque.

As far as I can find, there is nothing else on mine to state what the Promotional Transfer Cheque fee is

like i said in my earlier post, the old agreement stated 1.5%. This fee would have been likely waived as I was never slapped 1.5%. I guess it's best to confirm with the CSR's.