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

[bubble.tea]

huh? how come a new thread? I woudl've expected you to just hyperthread it into your other 0% CC one?

oh, and out of curiosity I just tried it and it is STILL READING ERROR.

is this dead then?

[jackboot]

Did anyone confirm if we need to activate the card before using the 0% BT cheque? I received the card and the 0% BT cheques, but don't really want to go through the hassle of activating (talking to all those reps trying to upsale you something)

Thanks.

I did a BT (to my bank account) without activating the card. There is no need to activate the card to do a BT. This way you won't be hassled by the reps trying to upsell you 100 varieties of insurance.

[damnbiker]

I managed to get in on the 12 month no interest deal with the Citi card, I signed up online. I entered the account info for my other credit card and my line of credit while signing up for the card, recieved the card and activated it - in that order. The agent tried to sell me all that insurance stuff but I just told him no thank you and was done with it.

Now the card sits quietly in a drawer while I continue to pay down my line of credit balance that still remains. I lowered my credit limit on the card that I carry around with me and when it comes time to pay off the card I will simply get another "one year no interest" card, put as much of the balance from my Citi card and Line of credit as I can on to the new card and cancel the Citi card. I figured that by doing this I will save about $700 a year in interest. This is DEFINITELY a hot deal if you're trying to pay down some debt.

[thedonald]

For those of you that have been sitting on the side lines on this deal, have another chance to get it on it. How about 0% interest until October 2007? Well, here is the code for it!

0% interest until OCT 2007 - N6T

BTW, this card is with CITIBANK and you can get the linky from the first post. I guess this is not an expired deal anymore!

ENJOY ALL!

--TheDonald

[st7860]

For those of you that have been sitting on the side lines on this deal, have another chance to get it on it. How about 0% interest until October 2007? Well, here is the code for it!

0% interest until OCT 2007 - N6T

BTW, this card is with CITIBANK and you can get the linky from the first post. I guess this is not an expired deal anymore!

ENJOY ALL!

--TheDonald

how do you get these updates? do you get postal mail spam from citibank, or do you sit there and try "A, B, C" etc?

[antonywoo]

Can I write a cheque to myself from a TD visa, and then do the balance transfer to CITI?
Thanks

[st7860]

Can I write a cheque to myself from a TD visa, and then do the balance transfer to CITI?
Thanks

I would recommend you do the balance transfer from CITI to TDBANK first then write yourself the check from TD. That is so you will save yourself a few days of interest.

[sagamm]

I did a BT (to my bank account) without activating the card. There is no need to activate the card to do a BT. This way you won't be hassled by the reps trying to upsell you 100 varieties of insurance.

wow.That's awesome.how did you do the BT?call them or just write the cheque?Thanks

[sagamm]

Can I write a cheque to myself from a TD visa, and then do the balance transfer to CITI?
Thanks

I dont understand...buddy,why you wanna waste money?

[antonywoo]

How does the BT work? I thought it was transfer between credit cards only. I could actually write a citi cheque and directly deposit to my bank account with 0%? Is there minimum payment before next Oct?

Thanks

[brunes]

How does the BT work? I thought it was transfer between credit cards only. I could actually write a citi cheque and directly deposit to my bank account with 0%? Is there minimum payment before next Oct?

Thanks

Yes. You can write yourself a BT cheque and deposit right into your bank account.

I do this all the time with my RBC visa, which has a constant 3.97% BT rate.

[coleworld]

Just received my gold card, activated it, and awaiting the balance transfer cheque package. I will have 0% interest until Oct 26th 2007, which will save me over $600 in interest. PLUS there are NO balance transfer fees at all!

Thanks so much for this deal!

[st7860]

i tested it just now, and the codes are still working.

[jefguth]

Is it possible to enter a chequing account number in balance transfer section of the application and have then deposit it directly?

Or do you write yourself a cheque when they send it? Do you have to request the convience cheques or do they just come with the card?

And there's no mention of BT fees anywhere that I see, are there any?

I apologize for the newbie questions - I've been doing this with my cards in the US for a short while now, but never thought of doing it in Canada b/c I didn't realize there were any 0% offers out there.

Thanks

[Y Poons]

Is it possible to enter a chequing account number in balance transfer section of the application and have then deposit it directly?
<snip>

YES. In fact, I had originally put the my PC Line of Credit account number, and the Citi rep called me and told me that it would be easier for them to do the BT into my bank account. So I gave him my chequing account info, got my full credit limit deposited (confirmed at 0% for 365 days) into my chequing account 5 days later, and then transferred it into my PC Plus savings account where it is earning 4% while I decide what to do with it. I should thank st7860 and THEDONALD for this deal