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

[mmmken]

Yeah, but I'm only turning 19 this year (still 18, and only had my first credit card last November). My other two credit cards are both consistent with what I should be getting - and only total 2,700.

This card just comes to me, and is worth nearly double of my other two combined! I feel like I stole something haha.

Does anyone know if they are able to reduce my limit, if they deem it was a mistake?

[spinbot]

No reason why they couldn't, but not very likely done without you requesting it.

[ziploc]

RedFlags effect

Red flags promo and add on the first page...0.9%

Citi bank is listening and reading

http://www.citicards.ca/canada/cards...ccess_code=RF1

[jeeva86]

RedFlags effect

Red flags promo and add on the first page...0.9%

Citi bank is listening and reading

http://www.citicards.ca/canada/cards...ccess_code=RF1

huh?

the other code is still valid which gives you 0%.

[ziploc]

huh?

the other code is still valid which gives you 0%.

I'm not saying otherwise...

but now they added an ad on this forum...but it's true the rate is 0.9%

[sckor]

So I just finished paying off last year's CITI 0% deal, and called in to cancel the card. The guy in "account retentions" was trying to talk me into staying as a customer anyway, because in a few months they'd probably send me another balance transfer offer in the mail.

So I mentioned that I could just close it now, and apply again with the "Rogers" deal. He said the Rogers one wasn't 0% for 12 months... and I said that I was looking at the web page with code R7B, and it explicitly states 12 months, 0%.

He put me on hold for a fair bit.

Comes back and says: "We'll just apply the new 0% offer onto your existing account to save you the trouble of reapplying. How much would you like to transfer?"

So, for those coming due from last year's 0% offer, it's worth having a friendly chat with retentions.

Sean.

[Psilosin]

^^ Thats awesome news. I was just going to cancel my card from last year and have my wife apply to take advantage of teh deal this year.

[Dest]

Recently got this card. Good offer, no transfer fee.
Nice to know that after the promotion expires they (maybe) can offer a new 0% promotion.

[max88]

Did the previous 0% BT promotions mention the promotional transfer cheque fee of 1.50% in the PDF? Anybody have a copy of the old PDF and the fine print on the old promo webpage?

The old ones don't have BT fee. CitiCard is getting smarter than MBNA (1% BT fee).

http://www.geocities.com/online_imag...nformation.pdf

[bubble.tea]

....He put me on hold for a fair bit.

Comes back and says: "We'll just apply the new 0% offer onto your existing account to save you the trouble of reapplying. How much would you like to transfer?"
......

I am astounded.

You may very well be the first person I've read who's succeeded in getting this done.

I'm sure MMMMMMMMMMMMMMMMMMMMMMANY of us are kicking ourselves at not being lucky enough to get 'this rep'. How many of us tried this VERY same approach, but were told by adamant reps, that we HAD to cancel, it and reapply .

Well Done!!!

[cheapdealer]

I was told the same thing on Thursday. I had a old 0% card from last year and i wanted new one. This rep said, "They would not be able to do it". So then I told the lady that I was told (when I was planning to cancel the card sometime ago) that there would be more offers on the balance transfer and told me not to cancel the card - so I didn't. To make the long story short, I said, "if you won't give me the card for 0%, I would like to cancel the existing one". She told me that I can do that and that she would put this information on the application for the new card. I just have to wait and see (sometime next week).

[simms]

Just to recap:
- Apply for the card, get the limit and get a BT to your savings account (PC 4.25%).
- Pay off minimum balances until Aug 2008, profit.

The fine print says there is a 1.5% fee on each transfer cheque. Doesn't that make the profit only 4.25-1.5 = 2.75% profit?

Thanks!

[spinbot]

You still have to make min. monthly payments(Y), so your total transfered(X) will have interested calculated as X+[(X-Y)*.0425] = Z ( for first month )
Then deduct each monthly payment from the new balance and calculate interest.

[max88]

Has anyone been able to get the 1.5% fee waived/reduced?

[mmmken]

Has anyone been able to get the 1.5% fee waived/reduced?

I asked about it, and they told me that there was no transfer fee.