MBNA 0% For 15 Months

[lor74]

just went through the application...without a problem...gave her the code...0%/15mnths

Thank you

[gq_fuzion]

What do you guys do with the money?

PCFinancial 4%... ~400, $150 transaction fee, taxable income, ... results to peanuts.

Does anyone have better suggestions?

$150 transaction fee?????
its 1% of your BT amount

i transfered $4500 + $45 BT fee...
i get recover the fee in 1 month including the balance i got in my PCF already
everything else is free money

even without the balance i have in my PCF before... it would only take 2 - 3 mos

[Mr Nobody]

$150 transaction fee?????
its 1% of your BT amount

i transfered $4500 + $45 BT fee...
i get recover the fee in 1 month including the balance i got in my PCF already
everything else is free money

even without the balance i have in my PCF before... it would only take 2 - 3 mos

$15,000 limit = $150 BT fee. Interest from PCF will be taxed.

[drowsy]

>>$15,000 limit = $150 BT fee.
do your math homework....

[Double_J]

For those of you who do not know, or are interested. I called back again today and got another card. Same 0% for 15 months. I got approved on the spot too. Silly they asked me all the same information again but another 5k for 10 minutes of talking is ok with me.

I like making money off of them lol.

[Mr Nobody]

>>$15,000 limit = $150 BT fee.
do your math homework....

?

[Jacklad]

?

!

(The balance transfer fee would put you over the limit - so it would actually have a possible maximum of $14851.49 transferred with a fee of $148.51.)

Jackie

[patrob]

!

(The balance transfer fee would put you over the limit - so it would actually have a possible maximum of $14851.49 transferred with a fee of $148.51.)

Jackie

I did that with my $10,000 limit & with the transfer fee of $100 it wento over, so when I realized that, I called them & they said just to pay the overlimit amount as soon as you can & nothing will happen

[Sanchez]

$150 transaction fee?????
its 1% of your BT amount

i transfered $4500 + $45 BT fee...
i get recover the fee in 1 month including the balance i got in my PCF already
everything else is free money

even without the balance i have in my PCF before... it would only take 2 - 3 mos

I'm not sure how counting the balance in your PCF account makes any sense. You could have a ton of money in there and recover even a 10% fee in one month.

2-3 months is wrong as well, if you pay more than 0% tax - for someone in a 40% bracket, it would take fully 5 months to recover the BT fee (ignoring the fact that you probably have to make min payments, as well, which will reduce your return and take the breakeven point out even further).

[Mei Yee]

Hmmm..........I am scratching my head. So should I or should I not?

[addicted2it]

what number are you guys calling? wow...this is like a blessing from above if it goes thru for me...plz share ur tips guys...will be hopefully making the call today...

[Mr Nobody]

!

(The balance transfer fee would put you over the limit - so it would actually have a possible maximum of $14851.49 transferred with a fee of $148.51.)

Jackie

Yup, I know that but there's nothing wrong with the math. I personally did a BT for $14850 becuase I didn't want to mess with the pennies.

[Mr Nobody]

what number are you guys calling? wow...this is like a blessing from abobe if it goes thru for me...plz share ur tips guys...will be hopefully making the call today...

Photoshop blessing?

Number is in post 17:

PRIORITY CODE: BODX

You need to call them to apply 1-866-544-4104
Lowest offer on the website is 3.99%

It is called the "MBNA Canada Platinum Plus" card.

Enjoy

[addicted2it]

Photoshop blessing?

Number is in post 17:

Thnx for the help..A blessing is a blessing from above, below or from adobe...

Back on topic...what do I say when I call...is it as staright forward as "I am interested in applyng for the MBNA xxxx card and have the following code for a promotion of 0% BT"??
I actually have their MBNA alumni card...does it matter? i mean does it help?
Any help/advise or suggestion is appreciated guys...if this goes thru it will make a HUGE difference in the current scheme of things for me...hoping to make the call today after I hear from fellow RFders

[Mr Nobody]

Thnx for the help..A blessing is a blessing from above, below or from adobe...

Back on topic...what do I say when I call...is it as staright forward as "I am interested in applyng for the MBNA xxxx card and have the following code for a promotion of 0% BT"??
I actually have their MBNA alumni card...does it matter? i mean does it help?
Any help/advise or suggestion is appreciated guys...if this goes thru it will make a HUGE difference in the current scheme of things for me...hoping to make the call today after I hear from fellow RFders

Just call and say you want to sign up for the MBNA Canada Platinium Plus card with promotion code BODX. Don't say where you got it from. They shouldn't ask, but if they do, say it came in the mail.

After you get your card, you can get the Alumni card merged with the 0% card (not the other way around!) so your limit is bigger and you can do a bigger 0% bank transfer (this is what others have done. I personally don't have any other MBNA cards). Hopefully others who have done the merging can chime in. I don't know if you must have the other card fully paid off (but I'd assume so otherwise there'd be a balance when they are merged).