Balance Transfer Discussions, Offers & Promotions

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  • MBNA balance transfer deal

    I recently got a balance transfer offer from MBNA for 0% till next may with 1% fee. I'm thinking of taking the deal and investing the money but I was curious if there are any gotcha details I'm not seeing. I read the fine print but ...

    • dave23456
    • Aug 7th, 2022 10:14 am
    • Forum: Personal Finance

  • [TD Bank] YMMV Balance transfer 0%, 10 months, 1% fee

    Check your TD app in CC -> Manage tab for this offer. MBNA has the same offer right now: https://forums.redflagdeals.com/mbna-canada-ymmv-balance-transfer-0-10-months-1-fee-existing-credit-cards-only-2541438/ https://i.imgur.com/jvtp2jt.png You'll also get a letter for the same.

    • whizzzkid
    • May 10th, 2022 1:42 am
    • Forum: Expired Hot Deals

  • [MBNA Canada] YMMV Balance transfer 0%, 10 months, 1% fee, EXISTING credit cards only

    Dust off your MBNA credit card that's been sitting in a drawer and log in to MBNA's site. Some RFDers are reporting a 0% interest BT offer good for ten months, with only a 1% fee. So pay only $100 up front to borrow $10,000 for 10 months. MBNA lets you deposit this directly into a bank account, so y...

    • Kiraly
    • May 9th, 2022 10:53 pm
    • Forum: Expired Hot Deals

  • Invest with 0% balance transfer promotional rate

    I get 0% balance transfer promotional offer from one of my credit cards from time to time. I never thought of investing with it until now. How 'stupid' is doing this? Promotional rate is for one year and there is 3% balance transfer ...

    • rfd911
    • Feb 1st, 2022 9:10 pm
    • Forum: Investing

  • Balance transfer

    Hello, can I use a balance transfer offer even if the card is not fully paid off? What if I keep using the card?

  • check my math please on balance transfer

    I currently have 2 balance transfer offers: -Scotia LOC - 1.95% interest for 6 months (I see no fee listed in fine print -CTFS - 0.0% interest till August, 1.5% fee Say for $5,000 which is the better option? Thinking the Scotia based ...

    • dimplygecko
    • May 11th, 2021 12:42 pm
    • Forum: Personal Finance

  • BT used for invest: Credit card balance transfer fee deductible for tax?

    Newbie to BT. Have a question about tax.If I use the BT to invest in stocks, can I somehow deduct the BT fee from tax?Would it be "Line 22100 - Carrying charges and interest expenses" or something else?Thanks.

  • Scotiabank " BALANCE TRANSFER FEE" 3% !!!

    Main Credit card is Visa with Scotiabank. I have a second Credit card - HBC - Capital One - occasional use The HBC card , I was paying the balance in full; cash, in person at the Bay . A nuisance. For over a year , I have paid off the HBC card online from my Scotiabank account. Last week , I paid th...

    • David MacF
    • May 23rd, 2020 11:42 pm
    • Forum: Personal Finance

  • Credit card with 0% interest on balance transfer

    Looking for a credit card with 0% interest on balance transfers with no annual fee. Any suggestions? Credit score of 735.

    • waloshin
    • Mar 25th, 2020 11:22 pm
    • Forum: Credit Cards

  • Scotiabank Balance Transfer

    Hello, I was doing a BT using my Scotiabank card and I sent it to the wrong CC with the date it is suppose to go being Sept 3rd. Scotia says the transfer needs to happen before they can reverse it. Does that make sense? I know MBNA has been able to block a BT before it is processed (they called me d...

    • thorton70
    • Aug 31st, 2019 11:22 am
    • Forum: Credit Cards

  • Taxation of Balance Transfer Fee on Investment

    Here's the scenario: - MBNA balance transfer is taken - Balance transfer fee is paid on the amount of the balance transfer (interest rate on BT is 0%, BT fee is 2% of amount transferred) - The entire balance transfer amount is used to invest ...

  • BMO balance transfer to an account or CL

    Just got a decent balance transfer offer for a BMO CC I currently hold. Anyone have experience with their balance transfers? Can I balance transfer to an account (like MBNA allows you to do) to payoff say a credit line? Or does it need to go directly onto a non BMO CC?

    • RyanS219
    • Mar 11th, 2019 12:40 pm
    • Forum: Personal Finance

  • 0.99% Balance Transfer from MBNA Offer

    Hello I am seeking some advice, hope you can help me decide. We are doing some renovations and I want to borrow $10K. Our original idea was to take this money from our unsecured line of credit from our bank (BMO), I think it will cost us around 6% annually. Last week I got a promo letter from MBNA c...

    • eeje
    • Jul 23rd, 2018 10:26 pm
    • Forum: Personal Finance

  • CIBC Visa Balance Transfer

    Has anyone received a CIBC Visa balance transfer offer recently - 10 months to May 2019, 0% with a 2% transfer fee? I'm going to pay off my current balance on that Visa card before I write a few balance transfer checks so that the whole balance ...

    • krs
    • Jul 18th, 2018 7:11 pm
    • Forum: Personal Finance

  • 0% APR on Balance transfer

    Hello All,I am looking for 0%APR on balance transfers for 12 months or 18 months with fee.Do we have any credit cards offering this apart from MBNA in Canada?Please reply if you know any.credit report - excellent.

  • RBC balance transfer offers stopped?

    I used to get so many offers for 0% balance transfers for Visa Gold even while still in a balance transfer. Has anyone else noticed they stopped giving offers or is it just me?

    • serumm
    • Apr 8th, 2017 10:12 pm
    • Forum: Personal Finance

  • Newbie: How to use the balance transfer promo offers

    ... for this newbie question. I received two mails fro RBC. 1) To upgrade my RBC visa gold credit card to RBC visa infinite Avion (not interested). 2) Balance transfer at 1.99% with 1% fee, until Oct. 31 2017. I have never done this balance transfer before. I wonder how it works. I got 3 credit cards ...

    • dadamuni
    • Jan 13th, 2017 12:38 pm
    • Forum: Personal Finance

  • PC financial Mastercard balance transfer issues

    So I signed up for the PC mastercard about a month ago and recently decided to take advantage of their 0.97% balance transfer offer. There's no option to do it myself online or through automated phone banking, one has to speak to one of their reps over the phone to have them ...

    • Abi345
    • Dec 20th, 2016 6:31 pm
    • Forum: Personal Finance

  • MBNA term changes - "Standard" Balance Transfer fee change from 1% to 3% (which cards affected?)

    Just saw this "important" notification on my MBNA account online. Wondering if this is isolated to just one card type, or affects more (all?) MBNA cards?? I have the Best Western one. See image for fee changes: 1% for standard rates --> 3% for standard rates MBNA fee changes.png The intere...

    • ace604
    • Oct 14th, 2016 3:26 pm
    • Forum: Credit Cards

  • Balance Transfer

    As I did my most recent balance transfer from CIBC to Canadian Tire, it suddenly occurred to me, am I allowed to do this? I just over paid my CIBC card with the balance transfer for a total of $9000. I was about to transfer $8400 ( $9000 ...

    • bewiseman
    • Sep 20th, 2016 5:58 pm
    • Forum: Personal Finance

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