Latest Balance Transfer Promos

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Jan 17th, 2021 2:50 pm

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Jan 8th, 2021 12:45 pm

#901

John47: Deal Addict; Jan 18, 2014; 1464 posts; 479 upvotes; Rouyn-Noranda

Jan 8th, 2021 12:45 pm

Received two offers in the mail today:

TD - 1.99% interest for 6m, no BT fee
CIBC - 0% interest for 10m, 2% BT fee

I have a big MBNA balance coming up for expiry in a few weeks, so this is convenient, but in reality it's not that convenient:
- from past experience, don't think I can BT from MBNA to TD given they're the same family
- I just did a CIBC BT for my entire available limit a few months ago, so I barely have any limit left.

+2

Jan 10th, 2021 3:07 am

#902

terracotta92 [OP]: Deal Addict; Feb 6, 2018; 1296 posts; 1058 upvotes

Jan 10th, 2021 3:07 am

John47 wrote: ↑ Received two offers in the mail today:

TD - 1.99% interest for 6m, no BT fee
CIBC - 0% interest for 10m, 2% BT fee

I have a big MBNA balance coming up for expiry in a few weeks, so this is convenient, but in reality it's not that convenient:
- from past experience, don't think I can BT from MBNA to TD given they're the same family
- I just did a CIBC BT for my entire available limit a few months ago, so I barely have any limit left.

MBNA to TD is possible, just not directly. use another bank's LOC to transfer the money.

Jan 11th, 2021 11:30 am

#903

John47: Deal Addict; Jan 18, 2014; 1464 posts; 479 upvotes; Rouyn-Noranda

Jan 11th, 2021 11:30 am

terracotta92 wrote: ↑ MBNA to TD is possible, just not directly. use another bank's LOC to transfer the money.

Right, but it's the opposite for me --- I would need to get the money from TD cc to MBNA cc. I didn't write it clearly in my post.

Don't think I can transfer money from TD cc to a bank account.

Jan 11th, 2021 11:48 am

#904

embguy: Deal Guru; Sep 21, 2005; 12090 posts; 10998 upvotes

Jan 11th, 2021 11:48 am

John47 wrote: ↑ Right, but it's the opposite for me --- I would need to get the money from TD cc to MBNA cc. I didn't write it clearly in my post.

Don't think I can transfer money from TD cc to a bank account.

If you have another cc other than TD and MBNA, you can BT to that spare cc. Withdraw money from the spare cc and pay the cash advance fee.

Have too many phones... This is how I limit my monthly phone payment.
Public Mobile $36 5GB, $12 250MB, 2x $6 50min/50text, Fido $5 4GB data only plan with a free tablet,
Zoomer $36 loyalty 4GB plan, $0 FPL home phone. Have a better and better day!

+3

Jan 11th, 2021 3:37 pm

#905

terracotta92 [OP]: Deal Addict; Feb 6, 2018; 1296 posts; 1058 upvotes

Jan 11th, 2021 3:37 pm

John47 wrote: ↑
Right, but it's the opposite for me --- I would need to get the money from TD cc to MBNA cc. I didn't write it clearly in my post.

Don't think I can transfer money from TD cc to a bank account.

embguy wrote: ↑ If you have another cc other than TD and MBNA, you can BT to that spare cc. Withdraw money from the spare cc and pay the cash advance fee.

if you have a RBC CC and chequing, overpay the CC, go to the branch to do a reverse payment ("oh i mistakenly paid the wrong credit card that's why i need to get the money back"), then the money goes to your chequing account, no cash advance fee. not sure if it works with other banks that you have your chequing with.

another way is if you have a ScotiaLine Visa, pay that account, then bill pay MBNA. no cash advance fee too.

+5

Jan 11th, 2021 9:56 pm

#906

TorontoEh: Deal Fanatic; Dec 11, 2005; 8216 posts; 1197 upvotes; TO

Jan 11th, 2021 9:56 pm

Got a sweet offer on my new AeroPesso card... 10 months 0% and 2% BT. Not sure but maybe good to bite as my MBNA balance renews in August but this is only avail till Feb28 i think.

CIBC doesn't send me offers, I gotta call them everytime but their offers are good.

Achieva Financial /KOHO / STACK (0% FX Fee) /Tangerine / EQ Bank member / I use Plastiq for paying bills with my CC

"You can't soar with the eagles if you're hanging with the turkeys - Gary Kent

+4

Jan 12th, 2021 4:49 pm

#907

terracotta92 [OP]: Deal Addict; Feb 6, 2018; 1296 posts; 1058 upvotes

Jan 12th, 2021 4:49 pm

received a ScotiaLine BT offer of 2.45% interest for 6 months, no fee of course since it's an LOC. it's the same with my Tang LOC of 2.45%, which means prime + 0.00%.

+4

Jan 12th, 2021 8:16 pm

#908

ozzie16: Deal Addict; Oct 27, 2012; 1748 posts; 2438 upvotes; Toronto

Jan 12th, 2021 8:16 pm

A few months ago I had a ScotiaLine BT offer of 1.99% for 6 months, expired Dec 31st. I didn't take them up on it, but it'll be interesting to see if I get a refreshed offer sometime soon.

+2

Jan 14th, 2021 1:36 am

#909

John47: Deal Addict; Jan 18, 2014; 1464 posts; 479 upvotes; Rouyn-Noranda

Jan 14th, 2021 1:36 am

TorontoEh wrote: ↑ Got a sweet offer on my new AeroPesso card... 10 months 0% and 2% BT. Not sure but maybe good to bite as my MBNA balance renews in August but this is only avail till Feb28 i think.

CIBC doesn't send me offers, I gotta call them everytime but their offers are good.

What financial institution

Jan 14th, 2021 12:18 pm

#910

TorontoEh: Deal Fanatic; Dec 11, 2005; 8216 posts; 1197 upvotes; TO

Jan 14th, 2021 12:18 pm

John47 wrote: ↑ What financial institution

Achieva Financial /KOHO / STACK (0% FX Fee) /Tangerine / EQ Bank member / I use Plastiq for paying bills with my CC

"You can't soar with the eagles if you're hanging with the turkeys - Gary Kent

Jan 17th, 2021 2:50 pm

#911

Sedul: Member; Aug 31, 2001; 495 posts; 41 upvotes

Jan 17th, 2021 2:50 pm

CIBC offered me 1% BT Fee 0% Interest for 10m ending 1/31/2021. I am a CIBC customer though. Only found out calling in to cancel the credit card.
Sometimes just need to call around?

John47 wrote: ↑ Received two offers in the mail today:

TD - 1.99% interest for 6m, no BT fee
CIBC - 0% interest for 10m, 2% BT fee

I have a big MBNA balance coming up for expiry in a few weeks, so this is convenient, but in reality it's not that convenient:
- from past experience, don't think I can BT from MBNA to TD given they're the same family
- I just did a CIBC BT for my entire available limit a few months ago, so I barely have any limit left.

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