Layout:
Home > 0% Credit Card

0% Credit Card

June 22nd, 2006 at 04:05 am

Here's my saga with the 0% credit cards: I had a heloc for about $22,000 from a capital improvement we made to the house. I was able to transfer about $7000 to a 0% cc from Citibank, leaving me with a balance of about 15k. When I opened the heloc, the rate was about 3.5%, now it's 7.25% and rising. So a few months ago, I applied for a Chase 0% cc. Thinking it didn't go through (they sometimes take a while), I inadvertently applied for a second one from Chase. Realized it and cancelled the first one. Then, the balance transfer didn't go through on the second one because I gave the wrong payment address. (Argh!). The deal was that you can only transfer at 0% on the day you open up the account, so even though it was an innocent mistake, they wouldn't redo the transfer. So I closed that account too. By this point, I was a bit discouraged so I let it go. But after 2 months of paying $100/month interest, I revisited my decision.

So I recently applied for another 0%cc (turned out this one, too, was with chase, but a different one than before). I see online that the credit card was approved, with a $16k credit limit. I requested a $14k transfer, so I'm crossing my fingers that it goes through no problem. Man, I'll be happy to pay this bear off!

Other than that, a quiet day. I went to work, hubby came back from his trip. Had an annual doctor visit (no charge - preventative visits are covered). All good.

We did need to put the car we're bringing to NC in for an oil change, and they need to boost the A/C because it's only working intermittently. Not sure how much that will run us, but we can't go on an 9-hour trip without it. Also, a truck kicked up a rock onto the windshield, so that's being fixed on Friday, for $275. A lot of money, but less than I thought it would be. Can't believe vacation is only 4 days away...

0 Responses to “0% Credit Card”

Leave a Reply

(Note: If you were logged in, we could automatically fill in these fields for you.)
*
Will not be published.
   

* Please spell out the number 4.  [ Why? ]

vB Code: You can use these tags: [b] [i] [u] [url] [email]