MBNA 0% interest Mastercard for 15 months or 3.99% for life MBNA MC or CITI 0%

[st7860]

"heregoes" says NEWEST code 8/29/2008 is BODW
call 1-866-544-4104 or 1-877-428-6060

8/29/2008 "patrob" says BODX still works for 15 months.

try BODX first. call 1-866-544-4104

tip from "codeofconduct" to get the 1% mbna fee reduced to 0.5%
"I just received my card and did my balance transfer today for the BODX 15 months MBNA card with balance transfers at 0%. I asked them if there were any fees associated with the BT and feigned surprise when they mentioned the 1% charge. The CSR gave me a .5% charge instead immediately after I asked her if they could reduce the 1% charge at all. Easy peasy =)."

MBNA CODE 1/8/2008 from JVM, see below:
"My wife got a MBNA 0% balance transfer offer in the mail.
Call 1-877-428-6060 an quote priority code BTZ9"

call 1-866-544-4104 and quote offer code BODX
or
1/2/2008 brand new phone code from: nolookingca
0% - 12 months, code BTZP call: 1.877.428.6060


MBNA 3.99% interest rate for lifetime
http://s0b.bluestreak.com/ix.e?tr&s=3865337&a=7034150&u=https%3A%2F%2Fwww%2Eapplyonlinenow%2Ecom%2Fcanad a%2Fbaatcanw


from 902linger, 0% for 12 months - Citibank Mastercard, no annual fee. 1% transaction fee
http://www.citicards.ca/canada/cards/direct/e_offer.cgi?access_code=V8G

from angel_wing0
1.9% for 9 months - Royal Bank Visa, no annual fee
http://www.rbcroyalbank.com/services/cards/platinum.html?ASC=QDE143&ProspectID=EE5D2A47A5074BC7B4EF3166A31E710B

9.9% forever rate - MBNA Mastercard, no annual fee
http://s0b.bluestreak.com/ix.e?tr&s=3865337&a=6624159&u=https%3A%2F%2Fwww%2Eapplyonlinenow%2Ecom%2Fcanad a%2Fbaabbx6x

prime + 0.9% forever rate - Capital One Mastercard, no annual fee


9/15/2008
new citibank number from angel_wing0 : 1-888-899-1230


MBNA 0% for 12 months(BODX)


or presidents choice financial mastercard.
www.pcfinancial.ca 1.97% on balance transfers for 6 months. NO transaction fee.

or TD Bank Gold Select Visa - no annual fee, 4.9% for 6 months, no transaction fee.

or CIBC Select Visa $30 annual fee, 12.9% interest. lousy rate, but it will never increase.

[tazmanyan]

This deal was posted previously, but the code had expired. Seems like it now takes you to the signup page. However, proceed with caution since the card product information page states that:

"Your completed Application, and each Balance Transfer request, must be received by September 28, 2006, to qualify for this balance transfer offer."

[st7860]

the code was being spit out of the website for a few days last week but it is working now

[blacknissan]

Just tried it and it doesn't work.

[damnbiker]

Here's a web site that lists a buch of credit cards with 0% balance transfers

http://creditcards.com/balance-transfer.php

I just did the citibank transfer for 12 months no interest. I plan on checking back at that site in 12 months to get another balance transfer until my line of credit is all paid off!

[Rosico]

nice site - but aren't these american deals?

[st7860]

i clicked on it, yes, it sure looks like american deals, such as the discover card and so on.

[engo]

Yeah, I wish we have similiar sites for Canadian Credit Card.

I'm still enjoying the 0% transfer from Citi bank and using the money for investment purpose. I also got a letter from Citi bank last week to increase my credit limit. They may have figured out that they can't make money on my card and want me to use the extra credit for purchases.

[st7860]

Yeah, I wish we have similiar sites for Canadian Credit Card.

I'm still enjoying the 0% transfer from Citi bank and using the money for investment purpose. I also got a letter from Citi bank last week to increase my credit limit. They may have figured out that they can't make money on my card and want me to use the extra credit for purchases.

they probably sent you the increase because the balance transfer put you near your credit limit. a lot of card companies will automatically increase your limit if you are near the credit limit already.

[FZZ]

Yeah, I wish we have similiar sites for Canadian Credit Card.

I'm still enjoying the 0% transfer from Citi bank and using the money for investment purpose. I also got a letter from Citi bank last week to increase my credit limit. They may have figured out that they can't make money on my card and want me to use the extra credit for purchases.

Try this one - http://creditcards.ca/
I just replaced .COM with .CA, but didn't try it yet.

[damnbiker]

Yeah, I wish we have similiar sites for Canadian Credit Card.

I'm still enjoying the 0% transfer from Citi bank and using the money for investment purpose. I also got a letter from Citi bank last week to increase my credit limit. They may have figured out that they can't make money on my card and want me to use the extra credit for purchases.

If you're just looking to pay down some debt then who cares if it's an American card or not? Actually, if you're looking to pay off debt, the less places you can use the card, the better off you'd be! :D

[Genia11]

I applied before the end of last month and got the approval last week. I requested the transfer yesterday and the 0% until August 2007 still applies.

This deal was posted previously, but the code had expired. Seems like it now takes you to the signup page. However, proceed with caution since the card product information page states that:

"Your completed Application, and each Balance Transfer request, must be received by September 28, 2006, to qualify for this balance transfer offer."

[Rosico]

If you're just looking to pay down some debt then who cares if it's an American card or not? Actually, if you're looking to pay off debt, the less places you can use the card, the better off you'd be! :D

Oh, I don't care if it is american or not, just was unaware that we could qualify for these since they aren't in Canada.

[thedonald]

Try this one - http://creditcards.ca/
I just replaced .COM with .CA, but didn't try it yet.


I tried that site and it works. They do have some 0% cards listed, but when I clicked on the cards, it takes you to the card's web site, I tried a few of them and couldn't find any card with 0%...

If anyone tries it has any luck finding another 0% card, post the linky here...

--TheDonald

[bazan]

Did anyone confirm if we need to activate the card before using the 0% BT cheque? I received the card and the 0% BT cheques, but don't really want to go through the hassle of activating (talking to all those reps trying to upsale you something)

Thanks.

[dealguy2]

What is the billing cycle on this card? I can't remember the exact day I did by BT but I still have not received a bill yet.

[bubble.tea]

huh? how come a new thread? I woudl've expected you to just hyperthread it into your other 0% CC one?

oh, and out of curiosity I just tried it and it is STILL READING ERROR.

is this dead then?

[jackboot]

Did anyone confirm if we need to activate the card before using the 0% BT cheque? I received the card and the 0% BT cheques, but don't really want to go through the hassle of activating (talking to all those reps trying to upsale you something)

Thanks.

I did a BT (to my bank account) without activating the card. There is no need to activate the card to do a BT. This way you won't be hassled by the reps trying to upsell you 100 varieties of insurance.

[damnbiker]

I managed to get in on the 12 month no interest deal with the Citi card, I signed up online. I entered the account info for my other credit card and my line of credit while signing up for the card, recieved the card and activated it - in that order. The agent tried to sell me all that insurance stuff but I just told him no thank you and was done with it.

Now the card sits quietly in a drawer while I continue to pay down my line of credit balance that still remains. I lowered my credit limit on the card that I carry around with me and when it comes time to pay off the card I will simply get another "one year no interest" card, put as much of the balance from my Citi card and Line of credit as I can on to the new card and cancel the Citi card. I figured that by doing this I will save about $700 a year in interest. This is DEFINITELY a hot deal if you're trying to pay down some debt.

[thedonald]

For those of you that have been sitting on the side lines on this deal, have another chance to get it on it. How about 0% interest until October 2007? Well, here is the code for it!

0% interest until OCT 2007 - N6T

BTW, this card is with CITIBANK and you can get the linky from the first post. I guess this is not an expired deal anymore! :lol:

ENJOY ALL!

--TheDonald

[st7860]

For those of you that have been sitting on the side lines on this deal, have another chance to get it on it. How about 0% interest until October 2007? Well, here is the code for it!

0% interest until OCT 2007 - N6T

BTW, this card is with CITIBANK and you can get the linky from the first post. I guess this is not an expired deal anymore! :lol:

ENJOY ALL!

--TheDonald


how do you get these updates? do you get postal mail spam from citibank, or do you sit there and try "A, B, C" etc?

[antonywoo]

Can I write a cheque to myself from a TD visa, and then do the balance transfer to CITI?
Thanks

[st7860]

Can I write a cheque to myself from a TD visa, and then do the balance transfer to CITI?
Thanks

I would recommend you do the balance transfer from CITI to TDBANK first then write yourself the check from TD. That is so you will save yourself a few days of interest.

[sagamm]

I did a BT (to my bank account) without activating the card. There is no need to activate the card to do a BT. This way you won't be hassled by the reps trying to upsell you 100 varieties of insurance.

wow.That's awesome.how did you do the BT?call them or just write the cheque?Thanks:)

[sagamm]

Can I write a cheque to myself from a TD visa, and then do the balance transfer to CITI?
Thanks

I dont understand...buddy,why you wanna waste money?

[antonywoo]

How does the BT work? I thought it was transfer between credit cards only. I could actually write a citi cheque and directly deposit to my bank account with 0%? Is there minimum payment before next Oct?

Thanks

[brunes]

How does the BT work? I thought it was transfer between credit cards only. I could actually write a citi cheque and directly deposit to my bank account with 0%? Is there minimum payment before next Oct?

Thanks

Yes. You can write yourself a BT cheque and deposit right into your bank account.

I do this all the time with my RBC visa, which has a constant 3.97% BT rate.

[coleworld]

Just received my gold card, activated it, and awaiting the balance transfer cheque package. I will have 0% interest until Oct 26th 2007, which will save me over $600 in interest. PLUS there are NO balance transfer fees at all!

Thanks so much for this deal! :cheesygri

[st7860]

i tested it just now, and the codes are still working.

[jefguth]

Is it possible to enter a chequing account number in balance transfer section of the application and have then deposit it directly?

Or do you write yourself a cheque when they send it? Do you have to request the convience cheques or do they just come with the card?

And there's no mention of BT fees anywhere that I see, are there any?

I apologize for the newbie questions - I've been doing this with my cards in the US for a short while now, but never thought of doing it in Canada b/c I didn't realize there were any 0% offers out there.

Thanks

[Y Poons]

Is it possible to enter a chequing account number in balance transfer section of the application and have then deposit it directly?
<snip>


YES. In fact, I had originally put the my PC Line of Credit account number, and the Citi rep called me and told me that it would be easier for them to do the BT into my bank account. So I gave him my chequing account info, got my full credit limit deposited (confirmed at 0% for 365 days) into my chequing account 5 days later, and then transferred it into my PC Plus savings account where it is earning 4% while I decide what to do with it. I should thank st7860 and THEDONALD for this deal :)

[n a m]

anyone try to get this deal on a current CITI card?

[jefguth]

YES. In fact, I had originally put the my PC Line of Credit account number, and the Citi rep called me and told me that it would be easier for them to do the BT into my bank account. So I gave him my chequing account info, got my full credit limit deposited (confirmed at 0% for 365 days) into my chequing account 5 days later, and then transferred it into my PC Plus savings account where it is earning 4% while I decide what to do with it. I should thank st7860 and THEDONALD for this deal :)

it turns out that bank account numbers are not valid (due to the number of digits) on the online app, I guess it went through initially for you because your LOC number is a credit card number. Guess I'll just have to do this the old fashioned way.:|

[mensrea]

YES. In fact, I had originally put the my PC Line of Credit account number, and the Citi rep called me and told me that it would be easier for them to do the BT into my bank account. So I gave him my chequing account info, got my full credit limit deposited (confirmed at 0% for 365 days) into my chequing account 5 days later, and then transferred it into my PC Plus savings account where it is earning 4% while I decide what to do with it. I should thank st7860 and THEDONALD for this deal :)


Thanks RFD, this is great! My wife and just bought a new home and had to get a secure line of credit to put down 25k. Although the line of credit is a pretty good interest rate (prime) nothing beats 0%. This is going to save me well over one thousand dollars over the year!!!

THANKS AGAIN!!! :cheesygri

[TorontoEh]

Thanks RFD, this is great! My wife and just bought a new home and had to get a secure line of credit to put down 25k. Although the line of credit is a pretty good interest rate (prime) nothing beats 0%. This is going to save me well over one thousand dollars over the year!!!

Question? You can take a cash advance and still pay 0% ? can anyone confirm pleasea>

[mensrea]

It's a balance transfer to my chequings account. As others in the thread, I confirmed that this was possible and that it's 0% until next october.

[uzer101]

went through for me you guys saved me 19% interest on 5Gs for one year thanks!

[krs]

Back to n a m's question.
Anyone know if I can somehow apply this to an existing citi mastercard?
Or will they let me get a new one?

I used to have two CIBC visa cards, then CIBC cancelled one which apparently happened automatically by their system because the name and address were the same..
When I explained to CIBC that I always had two in the past, one for business and one for personal use, they worked around the system for me by using my name with EXP behind it for the second card (EXP=Expenses).
Worked great for a number of years with CIBC Visa - wonder if something like that would work for citi. I could use another 0% BT for a year.

[AllWheelDrift]

I don't think you can get this applied to your existing card, but I believe people have successfully applied for a 2nd card from Citi.

[krs]

OK, I just applied for a second card. We'll see what happens.

[(Bean)]

Does the Zero interest for a year version of the card have a minimum income requirement? and if so is it a FIRM requirement? I have seen some cards require a pretty hefty income - and I always wonder how serious the are about that requirement. Thanks

[Rehan]

Does the Zero interest for a year version of the card have a minimum income requirement? and if so is it a FIRM requirement? I have seen some cards require a pretty hefty income - and I always wonder how serious the are about that requirement. Thanks The application lists a minimum income of $20,000.

[pkthree]

What credit limit have they been giving for $20,000 income?

[Rehan]

What credit limit have they been giving for $20,000 income? Probably $2500.
http://www.citibank.com/canada/cards/english/card_compare.htm

[st7860]

Does the Zero interest for a year version of the card have a minimum income requirement? and if so is it a FIRM requirement? I have seen some cards require a pretty hefty income - and I always wonder how serious the are about that requirement. Thanks

the hardest part is getting the first 1 or 2 cards. after about 6 to 12 months of having 1 or 2 cards, you can get a lot more choices, and the income won't matter as much, just put down a reasonably high amount and it'll probably work.

[udh]

Somebody mentioned that he/she successfully entered the bank account # into the on-line application form, other said that it won't work, only credit card # is accepted. :confused:

Can someone please confirm either way? I wanted to apply for the card, but not sure how you can take advantage of the 0% balance transfer as I don't have any outstanding balance transfer, ever?

For example, if I have to enter a credit card number but i don't have any outstanding balance transfer, so the money from Citibank would become a credit on this credit card, right? Then I need to order some cash advance cheques from that credit card company to take the money out, correct? I am worried that the CC company will charge hefty cash advance fee if I do it this way. Please advise!!!

:confused:

Thank you in advance.

[jhyang23]

If you do a BT with this card, do you need to pay back some amount each month so that your credit score is not affected?

[hulkmania]

Thankyou so much. Just applied and will wait for the mail to come in.

[Octavius]

I signed up for the card about a month ago and I used the promo code in the first post from the expired deal section (the new code will work just fine). I just left the BT section of the online application blank and submitted it with enough info for them to give me a card.

Just because you get an offer in the mail (or here, RFD) for 0% does not necessarily mean you will GET 0%. It all depends on how good your current credit rating is. Most of the time, if your credit is good enough (as it was in my case) you won't have to worry and you'll get the 0%.

Once you receive your card in the mail, you'll have to call to talk to a rep to perform the BT. Just have a check ready with the checking account info where you want the money to go. BEFORE DOING THIS, CONFIRM WITH THE REP THAT YOU QUALIFIED FOR THE 0% BT...you don't want to do a BT at 19%...trust me...

After about 5 days you'll get the cash in your checking account. I'm still waiting for mine but I called them mid last week, so I'm giving them till wednesday before I call to complain. Assuming everything goes well with my home sale in next few weeks, I'll prob take the amount and invest it somehow...but at the very least it'll sit in my PC Financial 4% savings account while I make the minimum payments each month to keep my account in good standing.

Hope this helps.

Somebody mentioned that he/she successfully entered the bank account # into the on-line application form, other said that it won't work, only credit card # is accepted. :confused:

Can someone please confirm either way? I wanted to apply for the card, but not sure how you can take advantage of the 0% balance transfer as I don't have any outstanding balance transfer, ever?

For example, if I have to enter a credit card number but i don't have any outstanding balance transfer, so the money from Citibank would become a credit on this credit card, right? Then I need to order some cash advance cheques from that credit card company to take the money out, correct? I am worried that the CC company will charge hefty cash advance fee if I do it this way. Please advise!!!

:confused:

Thank you in advance.

[Octavius]

Yes. If you miss a monthly payment, the 0% BT is REVOKED and interest starts at 19%. So make sure you make the minimum monthly payments to avoid this! If I remember correctly, it'll be about 3% of the amount owing that will be due each month.

If you do a BT with this card, do you need to pay back some amount each month so that your credit score is not affected?

[f00kie]

I'm kind of out of the loop about balance transfers and all, but could someone just give me a quick heads up for my situation?

I'm a student, have a Visa (applied for it on my 18th birthday and had it ever since), $2,000 limit, never accumulated any interest (1.5 years I've had it), always paid in full the day before the payment was due.

I might need $1,000-$1,500 extra for school (to pay for tuition come Nov. 15th). It's not a big deal, I think my parents can lend it to me, but if I can someone get something interest free until the summer when I'll be working again, it'll be a bonus. So, can anything be done through this offer?

[Rehan]

So, can anything be done through this offer? If you're a student, you probably don't have the minimum $20,000 annual income...right?

[xg3]

i am a student.. and i got it no problem.

I didn't even enter my social insurance number. Just name, address and the usual.. Suprised me too.

I got the packages with the 0% BT and stuffs.. and has its no service charge to BT from any other credit card.

From a year i iwll save about $380

hooray

[f00kie]

If you're a student, you probably don't have the minimum $20,000 annual income...right?

Well, technically, yes. However, this is all hypothetical, I'm just learning, and who knows, maybe my parents can do this too.

I started reading at this link (http://www.mymoneyblog.com/archives/2006/08/introduction-and-warnings-about-0-balance-transfer-offers.html), and I couldn't really believe it.

So, basically, with this offer, you apply, get accepted, then ask for a balance transfer (which in the link above I concluded simply means asking for a free loan?), then the bank grants this to you and sends you a check (the money doesn't even have to be used to "pay off" a credit card loan?), and then you make the minimum payment every month before the due date to have the 0% offer + pay back everything by the end of the 12 months?

Did I miss something (little or big, its important)?

[champion_qh]

The promo code works, but however I couldn't continue the application. My IE has error on page (shown at the bottom) at the step 1 of 3. Did it happen to everyone?? I doubt maybe the offer is expired.

[krs]

The promo code works, but however I couldn't continue the application. My IE has error on page (shown at the bottom) at the step 1 of 3. Did it happen to everyone?? I doubt maybe the offer is expired.

Try a different browser.
IE is garbage anyway.
I had browser trouble too - I then used firefox and everything went through without a hitch.

[howwon]

I just applied online, using code N6T from the first post. I used the Firefox browser and I did not run into any problems.

I did however noticed some interesting details, in the fine print.

Your application and any balance transfer, must be completed by November 30, 2006. On the summary page, it stated that the application could take up to 4 weeks to process.

Hmmm, this could be interesting.

[hulkmania]

have any tried calling in to shorten the 4 week process?

[mensrea]

I asked about this deadline and the CSR said "I've never heard that, anyways, I promise, you'll have the 0% until October 2007."

[hulkmania]

I just called the CSR of CTI, they said my application is approved and i will receive the card in a week! Hopely i will get my 0% approve.

[coopercold]

:) i just applied -- gotta love free money (well, interest free at least!)

[windough]

Applied hopfully they do the requested BT of 10k to my Visa account.

What's the largest someone has done?

[Darth Tater]

Applied hopfully they do the requested BT of 10k to my Visa account.

What's the largest someone has done?

This was a few years ago but I once did a BT of $10-12K :D :D :D

[bubble.tea]

do you get a postcard "Thanks for comin' out" if you're denied? :lol:

[mensrea]

Any other CC companies have this deal???

[ckang008]

I applied for the BMO airmiles card. How good is this card compared to the average bmo airmiles card besides the interest rate difference?

[ckang008]

Actually, I have some interesting news.


My sister works for BMO as FSM and she doesn't even know about the Silver Card promo. And I'm pretty sure she gets the most updated news from the branch. Is her branch being slow at getting news or this is not legit?

Thanks

[Furiae]

How long does this usually take to process after you apply?

[TorontoEh]

Could I transfer balance form a leons card? my financing period isexpiring jan 07.....also, i'm assuming they send you someting in mail or you have to do it on phone? balaance transfer?

merci :)

[akt921]

Applied hopfully they do the requested BT of 10k to my Visa account.

What's the largest someone has done?

I did $30K early this year.

[b0ne]

Actually, I have some interesting news.


My sister works for BMO as FSM and she doesn't even know about the Silver Card promo. And I'm pretty sure she gets the most updated news from the branch. Is her branch being slow at getting news or this is not legit?

Thanks

Uh, it's on their website.. how can it not be legit?

[spinbot]

FYI -- Applied online Nov.1st, card received Nov.10th.
No phone calls required.

There is no reference to the 0% transfer anywhere in the literature sent, however it may be discussed when I call to activate the card.

I just got off the phone with them and they have already sent the payment request to my bank, however the indicated they don't have the best of luck paying line of credits, thus they are sending me balance transfer cheques ( not the same as the normal Mastercard cheques ), that will do the same job. I will just have to make sure they do the transfer at the 0% rate )

[hprockets]

i applied mid-october, got the card in the mail in early nov., and did the balance trasfer to pay off another credit card in about a week.

0% interest, no annual fee, no transfer fee, no admin fee. this is absolutely great!!!

[bubble.tea]

.......My sister works for BMO as FSM .............

I think the problem is that they need a new FSM. :lol:., jokes ;)

[benlucanada]

got the card, but couldn't find any info of 0% BT, called CSR, being told after 7 days will show up the promotion on my profile, is anybody having the same? will citi mail me the BT cheques? TIA.

[QweQaz]

Applied for the 0% Citi MC about 10 days ago; no response yet. Is it ever a good idea to apply for different credit cards at the same time? Or will it look bad somehow?

[bubble.tea]

I applied for this seemingly AGES ago.

Curiosity getting the better of me today I called in.,

1- rep confirms application approved october 19th., but I never received anything...
2- does more sniffing around., discovers a DUPLICATE application submitted that resulted in my FIRST being cancelled? lol. Perhaps whent he website HICCUPPED while I was applying TWO applications were submitted. OUCH. Anyway., gave reference #, and said he'd forward to some dept. to investigate. STINKus maximus. Oh well., good news since I was approved in essence anyway...now just a matter of time to receive it.

[chalmers]

For those of you wondering about applying it to an existing citibank card, the short answer is: Not possible.

I filled out the application online, and received a letter 4 weeks later showing that I couldn't do it. So I called in (1-800-387-1616) and asked if they would be able to offer me the same 0% BT, but the CSA said it was for new customers only. I pointed out that seems like a shaft to current customers, and she said "Sorry, that's the way it is." So, I told her I'd like to cancel the card, and she said "OK, but you should know that we'll just re-open the old one if you re-apply trying to get this offer." Doh! Oh well, I canceled it anyway, I didn't need it.

SO... any OTHER cards out there offering 0% BT? Besides the MBNA one, which I've already taken advantage of.

[sazaks]

Applied last week and received my card yesterday. Thanks RFD!

[don242]

Just a caution for all.

I signed up for this during the last promotion. It is a good deal. Just be sure when they send you the BT cheques that you are using the 0% cheques (they should have an expiry date written on them). I got the card and they sent out cheques but they were regular cheques at the full 19%. When I called they said the 0% cheques would follow. So just double check that you use the right cheques.

[Norva]

tried thousands of times, problems always come out at the last step.
but on the same computer, I applied for my wife, it went through.

I called CSR in Citibank, was told the promotion is not valid for everybody.

any suggestion?

[zero64]

I had the same problem, turned out I needed to install some software. I had just formatted my HD and hadn't put flash, java or shockwave on it yet.

Unfortunately I don't know which one did the job, but I know it went through right after I did the installs.

You were able to apply for your wife on the same comp though, so my solution might not work.

tried thousands of times, problems always come out at the last step.
but on the same computer, I applied for my wife, it went through.

I called CSR in Citibank, was told the promotion is not valid for everybody.

any suggestion?

[bubble.tea]

So....Um....has anybody been able to get TWO Gold CCs?

I just found out that because I already have one., my 2nd one was denied....CRAPTACULAR.

Gonna call'em up and see what they can do for us.

st7860...you MUST work for Memberworks don't you? Your bloody username has their phone number even.

[flito ray]

For those of you wondering about applying it to an existing citibank card, the short answer is: Not possible.

I filled out the application online, and received a letter 4 weeks later showing that I couldn't do it. So I called in (1-800-387-1616) and asked if they would be able to offer me the same 0% BT, but the CSA said it was for new customers only. I pointed out that seems like a shaft to current customers, and she said "Sorry, that's the way it is." So, I told her I'd like to cancel the card, and she said "OK, but you should know that we'll just re-open the old one if you re-apply trying to get this offer." Doh! Oh well, I canceled it anyway, I didn't need it.

SO... any OTHER cards out there offering 0% BT? Besides the MBNA one, which I've already taken advantage of.

i was able to get get 2 citi gold master card. second was for lower limit so im not sure what the problem is.

[chalmers]

So....Um....has anybody been able to get TWO Gold CCs?

I just found out that because I already have one., my 2nd one was denied....CRAPTACULAR.

Gonna call'em up and see what they can do for us.


Good luck. Like I said, I was SOL. But if you are successful, please report back.

i was able to get get 2 citi gold master card. second was for lower limit so im not sure what the problem is.

I guess you got lucky (or bubble.tea and I were unlucky).

I think I'll wait a few days, then reapply, but this time over the phone. That way I know right away, instead of having to wait 4 weeks.

[bubble.tea]

Here's the scoop.

I asked what could be done.

Option 1: increase my credit limit on my CC Gold already acquired. Problem was it was already maxed. I suggested taking an amount from my Enrich., but was told only way to move credit limits around was to cancel the other one ( I know this isn't entirely correct., but meh ).

Option 2: Just reapply using wifey. Since the income concerned is a HOUSEHOLD one., we're good to gizzo.

That's how it's played out.

[Atragon]

Roughly how long does it take between applying, acceptance, and reciept of the balance transfer kit?

This deal sounds hot.

[nolookingca]

Roughly how long does it take between applying, acceptance, and reciept of the balance transfer kit?

This deal sounds hot.

I'd say probably a month or so, depending on how fast they confirm your employment and phone #.

[st7860]

I'd say probably a month or so, depending on how fast they confirm your employment and phone #.

if you report the same employer as you reported on your previous credit applications, they probably won't call to verify it.

[Atragon]

Oh joy. Seeing as I've swapped employers twice in the last 12 months that'll suck for verification. (8 months of co-op between being employed by the campus IT department). However, I have been employed by the campus IT department since the start of '05.

[st7860]

it doesnt really matter if you swapped jobs unless you actually applied for a few credit cards this year and reported each of the different jobs.

[spinbot]

Roughly how long does it take between applying, acceptance, and reciept of the balance transfer kit?

This deal sounds hot.

FYI -- Applied online Nov.1st, card received Nov.10th.

No "Balance Transfer Kit" was sent. You fill out on the applications what transfers you want. You can request balance transfer cheques after you get your card though.

I got a letter in the mail ( Nov.17 ) saying they had sent payment to my Line of Credit ( the only balance transfer I requested when I signed up ), however it has not showed up as applied against it yet. Apparently they will get rejected ( on Line's of Credit ), thus the reason for requesting balance transfer cheques as they should work without a problem.

[Atragon]

FYI -- Applied online Nov.1st, card received Nov.10th.

No "Balance Transfer Kit" was sent. You fill out on the applications what transfers you want. You can request balance transfer cheques after you get your card though.


Fantastic. Though if I'd known that earlier I would have filled that info out... do'h. Hopefully everything works out before the 30th!

[mcbg1]

I applied on Nov 7th and received my card in the mail today. Surprisingly enough, my balance transfer to my Visa card was done today also. (I simply put my credit card number in my online application). Nobody called at work to verify my salary.

However my dad who applied on Nov 5th still hasn't received his card. Maybe next week?

[Azxster]

Received it as well... how come I don't get the Balance Transfer kit?

[RedMosquito]

Thank you thread-starter.

Got my card on the 17th, I applied about 10 days before that and they did call my employer about 2 days after I filled out the application.

I called the CSR and he verified that the BT I requested on the app went through and it did but then I asked about additional BT's (I might buy a new TV with my old card and then do another BT for the 0% rate) and he asked if I got the cheques in the mail yet. So I assume they automatically mail you these cheques? I'm asking because some people said you have to request them? I guess I could just call them back and find out :)

[spinbot]

There are apparently 2 types of cheques ( from what the person suggested to me on the phone ). The one set qualify you for the 0% transfer rate and the others, not sure about them. I haven't received either -- just my "welcome, here are the terms" package and the "we've sent XXXX to XXXX company to pay off your debt". The rep did say she is sending the 0% transfer cheques to me.

FYI -- although I got the letter saying they paid my Line of Credit with the balance transfer, my bank account still shows owing the full amount. Citi did say they have problems paying off Lines of Credits and that I may have to write a cheque directly to deal with it.

[krs]

When I signed up with citibank for this deal a while back, I thought they would do the balance tranfer electronically.

Wrong!!!!

The CSR told me that they send the BT request to some other office where they process it and physically send out a payment through the mail.
The CSR suggested I just send one of the balance transfer cheques myself and it would be much faster.
That's what I ended up doing - worked like a charm.

[wilson881]

Thank you thread-starter.

Got my card on the 17th, I applied about 10 days before that and they did call my employer about 2 days after I filled out the application.

I called the CSR and he verified that the BT I requested on the app went through and it did but then I asked about additional BT's (I might buy a new TV with my old card and then do another BT for the 0% rate) and he asked if I got the cheques in the mail yet. So I assume they automatically mail you these cheques? I'm asking because some people said you have to request them? I guess I could just call them back and find out :)

Do they call your employer only for proof of employment? I work part time and in the application i pretty much wrote that i make full-time income..

[aaaaaa]

no, they never call to check... i write down fake phone numbers all the time =)

[st7860]

no, they never call to check... i write down fake phone numbers all the time =)

yes. thats why you should write the same employer on every credit application, this will reduce the chance of them checking.

[a in yul]

i applied and recd the car few months back, and wanted to take advantage of the 0% trf pymt option but was told it applies only till may 31/07...??!!

any way i can have it converted till oct 07 as per this promo..??

thx

[hulkmania]

I applied the master card on the 4th of nov. and today nov 20. finally receieve the card. called in and check i only can get $2700 only!!! **** i applied for $6500 something. i asked if she can bump up my credit. she said we need to wait 6-8months. now i have 2 credit card to pay off. >:(

[YLSF]

Umm.. before you make a very costly mistake, you should verify that you can do 2 BTs at the 0% interest rate. I think only the first BT request gets the 0% interest rate no matter what method you use for the second. So, any other balance transfers you do will get charged at the normal interest rate. I am pretty sure on that, but, if you think otherwise you should find it in writting first before you do this...




I called the CSR and he verified that the BT I requested on the app went through and it did but then I asked about additional BT's (I might buy a new TV with my old card and then do another BT for the 0% rate) and he asked if I got the cheques in the mail yet. So I assume they automatically mail you these cheques? I'm asking because some people said you have to request them? I guess I could just call them back and find out :)

[premium plus]

Try this one - http://creditcards.ca/
I just replaced .COM with .CA, but didn't try it yet.

i dont know how accurate that site is...i did a search for low interest credit cards, and it came up with TD emerald visa...12$ annual fee and 0% interest...

i work for TD, and i can assure all of you that we offer no such credit card. the emerald visa has an annual fee of $25, and the intrest rate varies from 6.9% to 12.9%

[xg3]

i am student.. i freelance.. applied 2 months ago

and got the 0%.. $5500 limit.

[spinbot]

Just confirming that with my second mailing I received today, it included my PIN# and 3 "MasterCheques". These are NOT for 0% Balance Transfers.

I had to call in and request the Balance transfer cheques be sent to me. They also arrived today and said I qualify for 0% on transfer made with them until Nov.8, 2007. I have a deadline to use them of Dec.23/06

[howwon]

Excellent. The card arrived on Monday (Nov 20) and the transfer was done direct to my bank. :D

[hulkmania]

Ya i receive a letter on tuesday which said the $$ is successfuly transfer.

[oaht]

I am looking for a 0% on balance transfer. Please let me know there is such a thing since I really needed it to pay off my debt. Please let me know. Thanks.

[jefguth]

no, they never call to check... i write down fake phone numbers all the time =)

In my case the credit reporting agency apparently tried to call, which was a total mess for several reasons.

1. I am a grad student now studying in the USA - They cannot process student cards for students at foreign universitites
2. I listed my employment as with a family company I work for during summers off
3. Listed my income to include the amount of money I recieve in a year from student loans, parents, and employment

Apparently my relatively high income and employment, that would not have been reported in the past since I last applied for a credit card mid way through my undergraduate degree, prompted them to attempt verification.

When I called Citi to inquire about my app. I was told that they tried to verify , but apparently the phone number was not valid... Tried to clear it all up with the CSR but it looks like I've lost my chance to take advantage of the offer.:mad:

[howwon]

I received a confirmation letter on Wednesday (Nov 22), with details of the BT.

Annual interest rate of 0.00% through 11/13/2007.

This will save me $462.00 in interest for one year. :D :D :D

[peterc_rfd]

Could someone offer their opinion on the net impact of utilizing an intro BT offer on one's credit report/score? Am I correct in assuming that the answer to this depends on the individual?

Example A:
- Person A has $10,000 total available credit, and carries approx. $5000 worth of balance
- If he applies for and obtains the Citi Mastercard with a limit of $5000, his total available credit increases to $15,000
- Is it true that his credit score might increase because his overall debt ratio decreases to 33% instead of 50%?
- What's the effect of carrying a high balance on one particular card?

Example B:
- Person B has $5,000 total available credit, and does not carry any balance
- Person B wants to take advantage of 0% BT offer to earn some free interest and applies for and gets the Citi m/c with a limit of $5000
- Since she never carries a balance, does applying for and using the Citi m/c to the max ($5000 balance) affect her credit score negatively?
- In this case, her overall debt ratio will go from 0% to 50%, not to mention , as in example A, she also will have one card with a max balance.
- Would this person's credit score drop (albeit temporarily and perhaps only a small amount)?

I guess my question has to do with how much of a difference is there between having a low versus medium overall debt ratio. And the significance of having one maxed out card (by way of maximizing a 0% BT offer) Assume, in both examples, both people always pay their payments on time.

Thanks in advance for any info!

[luckyduke]

I just received three 0% BT cheques from Citibank. I have no debts to pay off, so all the money will be for investment. I am pretty sure those RFDers who got in this deal many months ago have figured out how to make the most $$$ out of the "technically" free money.

Would anybody please share/give me some advice as to what I should do with my money ($16K) besides the well-known option: PCF 4% Interest Account? Please help guys as I know close-to-nothing about investment/financial stuff.

Thanks in advance!

[spinbot]

Unless you are looking to get a mortgage combined with the fact you space to use on your cards, I wouldn't be too concerned about your credit score. Worse case, you need to buy a house and they mortgage place says "you have too much credit available", so you just go cancel a few of your cards.

[don242]

It won't affect your score if you are making the payments each month. Your income:debt ratio may have some impact if you are looking to get another loan anytime soon but otherwise no worries. And as was mentioned, if you are looking to get another loan, just reduce the limit of some of the cards you aren't using very much.

[st7860]

if you're an average working person who has nothing not even a late library book or a parking ticket or an old unpaid bill on his or her credit report, reducing a credit limit or worrying about your balance is pointless.

[zoogle]

Weak... I gross 70k and they only gave me 3700 for a BT. :|

[RedMosquito]

Umm.. before you make a very costly mistake, you should verify that you can do 2 BTs at the 0% interest rate. I think only the first BT request gets the 0% interest rate no matter what method you use for the second. So, any other balance transfers you do will get charged at the normal interest rate. I am pretty sure on that, but, if you think otherwise you should find it in writting first before you do this...

Well the online application lets you fill in 2 BT entries so you are definitely not limited to 1 BT. I only did 1 BT and that one was processed but Citi and I called and asked them to send me some 0% BT cheques. I asked her specifically about the 0% numerous times, she confirmed I still had $X (credit limit minus my blanance) available for 0% BT's.

I think people have confirmed that these 0% BT cheques they send you to use say right on them that they are 0% BT.

[RedMosquito]

I am looking for a 0% on balance transfer. Please let me know there is such a thing since I really needed it to pay off my debt. Please let me know. Thanks.

try reading the 1st post of the thread you just posted in maybe?

[RedMosquito]

Do they call your employer only for proof of employment? I work part time and in the application i pretty much wrote that i make full-time income..

Yes they called my employer.

[TorontoEh]

hey folks, wanted to apply but when reading the pdf documentation, it says:

Your completed Application, and each Balance Transfer request, must be received by November 30, 2006, to qualify
for this balance transfer offer.


So i guess its not use to apply now? or is the above only applicable for BT you do online?

[spinbot]

I have until Dec.23 ( it says right on the special balance transfers cheques )

Easiest thing is put everything you need onto something like a line of credit and then pay off your other bills from it.

[flito ray]

anyone able to get 3 credit cards with 0% interest from citi? I've been trying but keep getting reject.

[AllWheelDrift]

I have until Dec.23 ( it says right on the special balance transfers cheques )

Easiest thing is put everything you need onto something like a line of credit and then pay off your other bills from it.
Why make things more complicated than they need be. You can just deposit the cheque into your regular bank account.

[Waiwai]

Thanks for the deal. The 0% cheques came in about one week after the card itself. They said I had until December 30 to use them. In case anyone is wondering, I didn't have to call in to get the cheques, they just came separately from the card itself.

[nchopra]

You've indicated Dec 30 (is this what the cheques say or did a CSR say this?) - as indicated in previous posts you just better make sure you're using the right cheques (ie with an expiry date) otherwise you'll get charged the very high interest rate on the advance.

Thanks for the deal. The 0% cheques came in about one week after the card itself. They said I had until December 30 to use them. In case anyone is wondering, I didn't have to call in to get the cheques, they just came separately from the card itself.

[Waiwai]

You've indicated Dec 30 (is this what the cheques say or did a CSR say this?) - as indicated in previous posts you just better make sure you're using the right cheques (ie with an expiry date) otherwise you'll get charged the very high interest rate on the advance.

It's shown on the cheque itself. This is the only set of cheques I've received. It included 3 cheques with the expiry date of December 30, 2006 underneath the memo portion.

[IceQue]

You dont need to wait for the cheques to arrive, You can call in the number on the back of the card. You can either deposit the money you want to transfer onto your credit card that you want to pay off or your bank account. There is no end date on transfers, So long as you have credit on your Gold card to do it, you can keep doing it untill the 0% promo offers expires.All this verifed by the CSR when I called in today.

[krs]

Did you happen to ask te citi CSR how long the transfer takes doing it over the phone? When I called about a year ago it was all manually going through different departments at citi with the last one finally mailing out a cheque via Canada Post.
I was told it was a lot faster for me to get the balance transfer cheques and mailing them myself.

[adrianf74]

Great lead... applied on the 17th and was approved on the 21st (at least this is what the CSR told me when I called on Saturday). Was told the card should be received shortly. Got a decent sized balance transfer @ 0% for a year.

Bad news was that they applied the transfer against another card rather than my 1st choice which was a credit line. If anybody else is planning to do this, apply over the phone and tell them you want the cheques mailed. I really shouldn't complain since the Credit Line is at prime + 1.75% and the card they're applying this to is at 25.99% (now 18.99% after my little chat with them). :lol:

-a

[MMMM]

Thanks OP

This saved me 600.00:)

[f00kie]

Here's my story so far.

I applied way back around the 7th of November. About 4 days later, they tried calling my cell and home about 4 times during a 2 hour period. I wasn't able to pick up as I wasn't home, and was in class so I couldn't pick up my cell. I called back later, and they just had some questions for me, like, how I'm a student, yet I put a 6 figure salary on the application. I explained to them that it asked for a household salary, not my own, so that's what I put. Then the person (and he was very polite) asked for my own salary, and while I bent this a little (I said $15,000), it was still under their $20,000 minimum. He didn't mention it.

So now, two weeks have gone by, and nothing, until today. I get a letter saying they can't process my application until I fax (or mail) them the following: Valid Student ID (or proof of tuition payment), SIN (optional), and a Driver's License, along with a few answers to their questions (what school do I go to, and a friend's name/phone/address).

Hah, couldn't they just deny me right away? Oh well, I'm gonna fax all this in to them.

Oh, I asked for a $15,000 balance transfer.

[slotscanada]

I applied about a month ago. Got a call about 3 weeks ago to "verify my income", and then got a letter today advising since I already have a Citi Mastercard, I can;t have another.

Maybe they realized I rode out the 1.9% transfer with $4,000 a year or so ago?

So, I am sending them back their letter and cancelling my existing MC since I never use it anyways!

:lol:

[Kaz]

I didn't bother applyng for this one as I also had a 1.9% Platinum card from a couple of years ago.
I finally got around to canceling it a couple of days ago, and I'll reapply in 4-6 months.
I'm sure they'll have a good deal then as well.

[windough]

I don't think you'll get approved for that amount. I work full time, with excellent credit and was only approved for 9K balance transfer.


Hah, couldn't they just deny me right away? Oh well, I'm gonna fax all this in to them.

Oh, I asked for a $15,000 balance transfer.

[krs]

........got a letter today advising since I already have a Citi Mastercard, I can;t have another.


I don't understand their logic.

I had the same problem with CIBC Visa where I applied for two cards, one for personal use and one for business.
I initially received both cards and then the CIBC computer cancelled one on me (at least that's what the CIBC CSR told me when I called).
The workaround (to 'fool' the computer supposedly) was to issue the second card with a slightly different name.....it now has 'Exp' behind my name (for Expenses)...and now everything is fine.

[xg3]

this sure help out with 2006 xmas.. but will surely destroy 2007 if i dun pay it off hahaha.

[windough]

Gold Card rec'd today. Don't plan on activating it though.

Thanks OP

[siwong44]

Can anybody confirm?
Is this deal still available?

[mensrea]

I don't think you'll get approved for that amount. I work full time, with excellent credit and was only approved for 9K balance transfer.

My wife, who's never had a credit card before, got 15000.

[st7860]

there's nothing wrong with activating it if you dont use it

[f00kie]

I don't think you'll get approved for that amount. I work full time, with excellent credit and was only approved for 9K balance transfer.

I'm not expecting it, however, I read somewhere that its their final decision anyway, so the higher you aim just gives you more chances of getting that amount.

I'll be perfectly happy with $1,000 interest free for a year.

[theresaxu]

i had some doubt about this promotion at first. it sounded too good to be true after all. but then we applied anyway, and we were approved!!! it's interest free for one whole year!!!!! thank you so so much for posting it here and sharing with us!:razz:

[Bond 007]

Quick Question: I saw in their card product information "Payment and other credits will be applied first to balance transfer amounts at an introductory annual interest rate and then to other account ….".


Is this mean that if I buy items for 10$ at the drugstore with this credit card, they will charge me ~18% of interet on this purchase untill I pay all balance transfers. This is my understanding since I should pay balance transfer first and then other items I bought using this CC. Hope it's not the case ....

The CSR told me to only use cheque # starting with 1XX for the 0% balance transfer and not those one starting with 4, 5 or 6 (like 401, 402, ....). Those one are regular cheque ... at ~18% .....

My wife got it yesterday, 33K$/year (salary) and she got a 15600$ limit, not bad!!!! I'm expecting mine soon ....

[SeerHawk]

Quick Question: I saw in their card product information "Payment and other credits will be applied first to balance transfer amounts at an introductory annual interest rate and then to other account ….".


Is this mean that if I buy items for 10$ at the drugstore with this credit card, they will charge me ~18% of interet on this purchase untill I pay all balance transfers. This is my understanding since I should pay balance transfer first and then other items I bought using this CC. Hope it's not the case ....

The CSR told me to only use cheque # starting with 1XX for the 0% balance transfer and not those one starting with 4, 5 or 6 (like 401, 402, ....). Those one are regular cheque ... at ~18% .....

My wife got it yesterday, 33K$/year (salary) and she got a 15600$ limit, not bad!!!! I'm expecting mine soon ....

Hey Bond,

What was the turn around time from application to getting card.. Waiting on mine impatiently.. LOL!

[Bond 007]

~2 weeks (for my wife) .... but I asked mine 4 weeks ago, got a letter asking to call them back. They asked me my salary versus the household salary, CSR told me I should get their final call in 1-2 weeks ... I think I have too many Credit cards, that's why I got that letter.

[don242]

Quick Question: I saw in their card product information "Payment and other credits will be applied first to balance transfer amounts at an introductory annual interest rate and then to other account ….".


Is this mean that if I buy items for 10$ at the drugstore with this credit card, they will charge me ~18% of interet on this purchase untill I pay all balance transfers. This is my understanding since I should pay balance transfer first and then other items I bought using this CC. Hope it's not the case ....



You are correct. If you take advantage of this offer with the 0% balance transfer, DO NOT use the credit card for anything else until you pay back the balance transfer. Any payments will be made to the lowest interest item (ie. your 0% BT) first. So if you use the credit card for a regular purchase, you will be charged the 18% interest on that purchase until the BT is paid off.

[saku]

Just applied..thanks OP.

FYI, you can always do a free photocard upgrade,

https://www1.citibank.com/canada/cards/english/photocard/index.htm

[TorontoEh]

You are correct. If you take advantage of this offer with the 0% balance transfer, DO NOT use the credit card for anything else until you pay back the balance transfer. Any payments will be made to the lowest interest item (ie. your 0% BT) first. So if you use the credit card for a regular purchase, you will be charged the 18% interest on that purchase until the BT is paid off.

Wow...thanks for pointing that out. But is it okay to do several BT after the first one using their BT Checks? e.g. initially did $5K, can i do another one for $1K

[don242]

Wow...thanks for pointing that out. But is it okay to do several BT after the first one using their BT Checks? e.g. initially did $5K, can i do another one for $1K

Sure this is fine if you are using the cheques. But why not just write yourself one of those cheques for the full limit of the card and deposit it in your bank account (savings) and then you can do what you want with it (hopefully save it to use to pay it back at the end of the promotion.)

[TorontoEh]

Sure this is fine if you are using the cheques. But why not just write yourself one of those cheques for the full limit of the card and deposit it in your bank account (savings) and then you can do what you want with it (hopefully save it to use to pay it back at the end of the promotion.)

Right! makes more sense.... as someone pointed out earlier in the thread...if paid off then get interest from ING/HSBC OR PC ....

Great advice...

[flito ray]

I just received three 0% BT cheques from Citibank. I have no debts to pay off, so all the money will be for investment. I am pretty sure those RFDers who got in this deal many months ago have figured out how to make the most $$$ out of the "technically" free money.

Would anybody please share/give me some advice as to what I should do with my money ($16K) besides the well-known option: PCF 4% Interest Account? Please help guys as I know close-to-nothing about investment/financial stuff.

Thanks in advance!

depend on your level of risk. if you can handle more swings buy equities with your 16,000 but you risk losing it all. do you have 16,000 to pay in case you lose all your monies?

if you are risk adverse put the money in ING and earn 4% then you guarantee to get that and preserve your principle.

glad to be help

[windough]

You can't beat TD Canadian Bond Index eSeries 4.4% ytd, and 6.1% for the past 5 years. Not CDIC insured, but it's low risk, since it's mostly Canadian Govn't Bonds.

You're in for 90 days though, but after that it's liquid.

depend on your level of risk. if you can handle more swings buy equities with your 16,000 but you risk losing it all. do you have 16,000 to pay in case you lose all your monies?

if you are risk adverse put the money in ING and earn 4% then you guarantee to get that and preserve your principle.

glad to be help

[st7860]

the superstore (and ING) 4% bank accounts are insured. anything else that isnt a bank account isnt insured.

[flito ray]

i just request credit limit increase and more 0% cheque and they mail to me.

I just got 3000 more to add

[ktkn]

Is this deal still alive? I clicked on the link in the first post and it's no longer a 0% interest card, it's still a good rate, but still not 1.9%

oops.. I glanced and entered the wrong code from memory...

[copter]

I just got my card in the mail. I have 0% interest on all balance transfers for 1 full year.

This is almost too good to be true. The wife's application is now in the mail.

[nchopra]

Is this deal still alive? I clicked on the link in the first post and it's no longer a 0% interest card, it's still a good rate, but still not 0%

hmmm...wonder who the stupid one is? 0% = 0% maybe you should try the link again before asking such a stupid question.

[stallone]

And what about this sentence: "Your completed Application, and each Balance Transfer request, must be received by November 30, 2006, to qualify for this balance transfer offer." :confused:

Is it too late???

[ktkn]

hmmm...wonder who the stupid one is? 0% = 0% maybe you should try the link again before asking such a stupid question.

take it easy...

[flito ray]

signed up for a second card and they approve it... lol i got like 15K each limit so now i have 30K free money time to hit the casino

[stallone]

no one?

[SeerHawk]

no one?

I got mine in Mid Dec 0% Balance Transfer on 5k no problemo. I think if you read the earlier messages it mentioned that this offer is good until end of december.. I can't find any documentation with me about the end date of this promo but I know I got 0% till October 2007 for sure in a statement that I got.

[donye]

signed up for a second card and they approve it... lol i got like 15K each limit so now i have 30K free money time to hit the casino

Did you get 2 card with same name?

[wiebecj]

I've got an american credit card (a discover - signed up in store when down in Mineapolis for a free gift card) and they didn't say a thing about me being canadian

[TorontoEh]

i got mine as well, gave 5K, just what i needed. Thogh kinda odd they sent 2 sets of checks, 1 you have to fil out your address and the other set has already prewritten my info? but the latter set cheques expire JAN 22, 07...so will surely deposit them before expiry!!!!

overall, excellent deal...i might call and get limit hiked up. has anyone tried this yet?

[don242]

i got mine as well, gave 5K, just what i needed. Thogh kinda odd they sent 2 sets of checks, 1 you have to fil out your address and the other set has already prewritten my info? but the latter set cheques expire JAN 22, 07...so will surely deposit them before expiry!!!!

overall, excellent deal...i might call and get limit hiked up. has anyone tried this yet?

The cheques with the expiry date are the ones you use for the promotional rate. The other cheques, throw them out. If you use the cheques without the expiry date they will be considered a normal cash advance and you will pay the full ~18% interest.

[TorontoEh]

The cheques with the expiry date are the ones you use for the promotional rate. The other cheques, throw them out. If you use the cheques without the expiry date they will be considered a normal cash advance and you will pay the full ~18% interest.

oh cr*p..thanks for advising..didnt know that...i dont even think within the literature it mentions that? oh and i guess you dont have to activate the card to be using the cheques as someone already mentioned in posts above?

[HunkaHunkaBurningLove]

I just applied for a card, but how does this balance transfer thing work? Please bear with my since I've never used a balance transfer before and never had anything owing on a credit card.

Say they authorize my card with a limit of $30,000. Once I receive the 0% balance transfer cheques, I can just write $30,000 to myself and deposit that into my saving account for example? The $30,000 debit on the credit card goes interest free until October 07?

[don242]

I just applied for a card, but how does this balance transfer thing work? Please bear with my since I've never used a balance transfer before and never had anything owing on a credit card.

Say they authorize my card with a limit of $30,000. Once I receive the 0% balance transfer cheques, I can just write $30,000 to myself and deposit that into my saving account for example? The $30,000 debit on the credit card goes interest free until October 07?

Exactly right. Just make sure you use the cheques with the expiry date on them, not any other ones they send.

You will have to make the minimum payment though each month which is 2.1% (can't remember exact number).

[kinezo23]

Is it me or the code doesn't work any more. I tried IE and Firefow...no luck.

[file888]

Is it me or the code doesn't work any more. I tried IE and Firefow...no luck.

It doesn't work for me too.

[HunkaHunkaBurningLove]

Whoa, I just tried it again, and it's also giving me the same error. I wonder if the promo may have ended today. I applied this afternoon, and it was still working then! I guess I just slipped by under the wire. People might try calling the toll free number and mentioning the code. Maybe a CSR can still get it working.

[copter]

The cheques with the expiry date are the ones you use for the promotional rate. The other cheques, throw them out. If you use the cheques without the expiry date they will be considered a normal cash advance and you will pay the full ~18% interest.


According to the CSR I spoke to when I initiated my 1st balance transfer, all balance transfers made within the 1 year from acceptance are at 0%. Obviously I'll call back before I attempt to do a 2nd balance transfer (once the original one gets paid down a bit), but if true, it doesn't matter which checks you use.

[thedonald]

Hello Everyone,

Just in time for the Christmas shopping and BILLS! Here is a 0% code until Jan 08! So, enjoy, spend and payoff with NO interest!!

0% until JAN 08 - P6L

My little gift to the RFD community! :cheesygri

Merry Christmas and a wonderful NEW YEAR to all! :D

--TheDonald

[can2000]

Canadiantire Option Master is offering master cheques with Special Interster Rate 1.9% for the balance transfer.

Question: can we deposit the cheque to President's Choice Financial saving account which has 4% interest rate? Then end up we can earn 2.1% interest with transfer balance.

Any other fee did I miss to count?

Thanks for any comments.

[nolookingca]

Hello Everyone,

Just in time for the Christmas shopping and BILLS! Here is a 0% code until Jan 08! So, enjoy, spend and payoff with NO interest!!

0% until JAN 08 - P6L

My little gift to the RFD community! :cheesygri

Merry Christmas and a wonderful NEW YEAR to all! :D

--TheDonald

Do you just sit there and try out various combinations all day? :D

BTW, P6M and P6N also works.

[HunkaHunkaBurningLove]

Sweet! Thanks Donny!

[kinezo23]

Works! Thanks!

Merry Christmas!


Hello Everyone,

Just in time for the Christmas shopping and BILLS! Here is a 0% code until Jan 08! So, enjoy, spend and payoff with NO interest!!

0% until JAN 08 - P6L

My little gift to the RFD community! :cheesygri

Merry Christmas and a wonderful NEW YEAR to all! :D

--TheDonald

[helloemail]

It works. Thank you.

Merry Christmas!


Hello Everyone,

Just in time for the Christmas shopping and BILLS! Here is a 0% code until Jan 08! So, enjoy, spend and payoff with NO interest!!

0% until JAN 08 - P6L

My little gift to the RFD community! :cheesygri

Merry Christmas and a wonderful NEW YEAR to all! :D

--TheDonald

[don242]

According to the CSR I spoke to when I initiated my 1st balance transfer, all balance transfers made within the 1 year from acceptance are at 0%. Obviously I'll call back before I attempt to do a 2nd balance transfer (once the original one gets paid down a bit), but if true, it doesn't matter which checks you use.

Maybe true but I know when I got this card in August, they sent some BT cheques to me but they had no expiry. I called and CSR warned me that if I use those I would be charged the full 18% rate. I was only to use the cheques with the expiry date. So what is correct I don't know, so be sure to call and make sure.

[don242]

Canadiantire Option Master is offering master cheques with Special Interster Rate 1.9% for the balance transfer.

Question: can we deposit the cheque to President's Choice Financial saving account which has 4% interest rate? Then end up we can earn 2.1% interest with transfer balance.

Any other fee did I miss to count?

Thanks for any comments.

Did they send the cheques to you. I have the CT mastercard as well but I don't get my statements mailed so I never get any of those things.

Can't see why you couldn't do it. On top of that, the 1.9% interest is tax deductible as long as you are using the money from the BT to invest (ie. put in the 4% PC account).

[can2000]

Did they send the cheques to you. I have the CT mastercard as well but I don't get my statements mailed so I never get any of those things.

Can't see why you couldn't do it. On top of that, the 1.9% interest is tax deductible as long as you are using the money from the BT to invest (ie. put in the 4% PC account).

Yes, they sent me the cheques which will be expired in Jan. 31st 2007.

[ricedion]

crap! just applied on Friday afternoon with 0% expiring on Oct 07. I should have waited another day to apply for the one which expires on Jan 08:twisted:

[don242]

Yes, they sent me the cheques which will be expired in Jan. 31st 2007.

I guess I could call them and see if I could get them, but it may not be worth it as some of my automatic payments get put on that card and I would have to switch them all over to another card since I would not be able to use the card if I took advantage of the deal.

The one problem with getting statements electronically is that I miss out on these offers. Too bad they wouldn't just send out these offers separately once and awhile.

[gman]

Does BT only apply to another credit card?
Does it also apply to a LOC of a bank?
Does anyone do BT from a LOC successfully?

Thanks.

[joflynn]

crap! just applied on Friday afternoon with 0% expiring on Oct 07. I should have waited another day to apply for the one which expires on Jan 08:twisted:

Citibank usually provides a full 12 months interest-free from the date the first cash advance is actually made, so there shouldn't be any loss to you.

[don242]

Does BT only apply to another credit card?
Does it also apply to a LOC of a bank?
Does anyone do BT from a LOC successfully?

Thanks.

The best thing is to use the provided cheques and write the cheque to yourself, deposit it into your bank account and then you are free to do whatever you want with the money.

[gman]

The best thing is to use the provided cheques and write the cheque to yourself, deposit it into your bank account and then you are free to do whatever you want with the money.

Does the first package come with the BT cheque? Or, I need to ask for it.

I assume this also mean I shouldn't do the BT (from my LOC) request in the application, right?

Thanks.

[don242]

Does the first package come with the BT cheque? Or, I need to ask for it.

I assume this also mean I shouldn't do the BT (from my LOC) request in the application, right?

Thanks.

Usually you get your card and then a few weeks later the cheques follow.

You can do the BT using the application if you want. There were some instances where they wouldn't do it to a bank account because it was supposed to be used to pay off debt, but it doesn't hurt to try and if they don't then just use the cheques.

I think you can also phone after you get the card and do the transfer that way but it will depend on the CSR you get. Some will be difficult especially if you are transferring to your bank account.

It is probably a little faster to do it from the application, just easier using the cheques.

[smilodon]

Yes, YES, YES!!!! Thank you, thank you, thank you!!!

Had been looking for the new code and should have known RFD would not fail me!

You people are the best!

[siwong44]

Got my card in 2 weeks.
I called CSR.
They gave me a choice of transferring funds to a bank account or wait for the checks or pay my other CC balance.

I chose to transfer to my bank account.

Was very simple.

The person told me it will be interest free for 12 months.

[harry_ccsu]

how come when i applied it online, there is always an error occured.
i tried different 3 computers, all got the same error

[libby43]

When I did my BT over the phone, the CSR asked if I wanted to activate the card, and I said no. The BT went through fine, but on my second monthy bill, there is a paragraph asking me to activate the card so that they know I got it, etc... My reaction is, you must know I got it, since I BT-ed the entire amount!

Have others who didn't activate the card started getting these notices on their statements? If so, what happens if you just ignore them? I'd prefer not to activate it, since previous posters have said they use it as an excuse to push their insurance products.

[libby43]

how come when i applied it online, there is always an error occured.
i tried different 3 computers, all got the same error

I did have some trouble applying on my Safari browser. It kept freezing on the confirmation screen. When I went to Firefox, it went through no problem. Have you tried a different browser?

[devastating]

When I went to the .ca site my web browser did popped up a warning that I had never seen with regards to "phishing" and to not divulge personal info to this particular site! Did anyone else receive the message?

[SkyKnight]

Just applied...what do i do now? Wait for the mail acceptance/decline? Or can i call them up to find their answer? Was I supposed to put what i want to transfer on the application, or can i just wait for these cheques you guys are talking about to come in??

On a side note....when they ask: household income... does that mean both people (married)....?? Because that diamond symbol thing besides $20,000 minimum says your approval and max is based on the primary applicant. I only put my wife's on their (was made for her).... should i call back to change to OUR income rather than just HER income??

[zander]

Does anyone here know which credit bureau Citi pulls - Equifax or TransUnion?

[Ron]

On a side note....when they ask: household income... does that mean both people (married)....??

Yes, both people. Is this your first credit card application?

[SkyKnight]

No, but first that asks for household...i knew it was for both, but wasn't sure because of that stupid message about the limit and whatnot being based on the primary applicant.... there was only one applicant and i don't remember seeing anything for a co-applicant...... didn't want to be accused of lying - better to just call them up and change it, if even possible...

[st7860]

they're only going to be very concerned about the exact amount of income if thats your FIRST credit card.

[nolookingca]

When I went to the .ca site my web browser did popped up a warning that I had never seen with regards to "phishing" and to not divulge personal info to this particular site! Did anyone else receive the message?

You probably made a typo. Phishing sites sometimes use variations of the correct spelling to fool you. the correct address is citicards.ca

[kwseller]

I applied to this deal a few weeks ago when it was 0% until Oct 07. Called up Citi today to check status, and see if I could get the Dec 08 promotion. I currently have a 2.9% (seems pretty high now) promotion card with them and they said they can't honour the 0% deal because I am already on a promotional rate.

They have advised that the only way they could honour the 0% deal was if I faxed over something that was addressed to me, or sent to me offering the promotion (I may have mentioned while I was whining to the CSR that a promotional flyer was sent to me.)

Anybody have any ideas how I can get this rate? Any emails that can be sent to me that someone else has received offering this promotion? Or any promotional letters that are being sent around that I could use? Just love the idea of free money if I can get my hands on it.

[eljay]

Do you know if Citi cards has online banking feature where you can request credit limit increase?

I guess I should just sign up and find out.

[nchopra]

Dec 08? is this a typo (ie Jan 08) or did I miss something?

I applied to this deal a few weeks ago when it was 0% until Oct 07. Called up Citi today to check status, and see if I could get the Dec 08 promotion. I currently have a 2.9% (seems pretty high now) promotion card with them and they said they can't honour the 0% deal because I am already on a promotional rate.

They have advised that the only way they could honour the 0% deal was if I faxed over something that was addressed to me, or sent to me offering the promotion (I may have mentioned while I was whining to the CSR that a promotional flyer was sent to me.)

Anybody have any ideas how I can get this rate? Any emails that can be sent to me that someone else has received offering this promotion? Or any promotional letters that are being sent around that I could use? Just love the idea of free money if I can get my hands on it.

[flito ray]

Do you know if Citi cards has online banking feature where you can request credit limit increase?

I guess I should just sign up and find out.

just phone and ask. i did and they gave me 4000 more so i asked for 0% bt and they gave that to me too

[pogs]

Has anyone who has the Oct 2007 offer tried registering for the Jan 2008 offer successfully?

:cheesygri

[max88]

Does anyone here know which credit bureau Citi pulls - Equifax or TransUnion?

Not sure which Citi uses for credit scoring, but it reports credit info to both bureaus.

[can2000]

Recently I got a call from Carlson group (represents CITI) for the credit report. You have 45 days for free.

[Genia11]

I simply cancelled my existing card and reapplied a day later for the 0% transfer.

I applied to this deal a few weeks ago when it was 0% until Oct 07. Called up Citi today to check status, and see if I could get the Dec 08 promotion. I currently have a 2.9% (seems pretty high now) promotion card with them and they said they can't honour the 0% deal because I am already on a promotional rate.

They have advised that the only way they could honour the 0% deal was if I faxed over something that was addressed to me, or sent to me offering the promotion (I may have mentioned while I was whining to the CSR that a promotional flyer was sent to me.)

Anybody have any ideas how I can get this rate? Any emails that can be sent to me that someone else has received offering this promotion? Or any promotional letters that are being sent around that I could use? Just love the idea of free money if I can get my hands on it.

[leseuldaniel]

I simply cancelled my existing card and reapplied a day later for the 0% transfer.

Don't!

Did it work?

Because I was told to reapply after they made a mistake on my application processing and registered me as a student, giving me a student card. The CSR told me to cancel and reapply, which I did. However, the second application was immediately denied as being a 'duplicate'. I was later explained by a supervisor that any application within the first 6 months after a prior application will be viewed as a duplicate and be cancelled....

[sunnyd71]

just phone and ask. i did and they gave me 4000 more so i asked for 0% bt and they gave that to me too

Did you have to wait a certain amount of time before asking for an increase? With other cards you have to wait 6 months before requesting an increase.

When I get the card could I just ask for an increase right away and get a BT on the whole amount?

Side note: I signed up with no problems using IE7

[Genia11]

It did work. I even got an increased limit. Keep in mind that I was a cardholder for about 12 months when I cancelled it. Since I didn't need the card, I didn't care if they decided not to give me the 0% promotion.

Don't!

Did it work?

Because I was told to reapply after they made a mistake on my application processing and registered me as a student, giving me a student card. The CSR told me to cancel and reapply, which I did. However, the second application was immediately denied as being a 'duplicate'. I was later explained by a supervisor that any application within the first 6 months after a prior application will be viewed as a duplicate and be cancelled....

[pogs]

Has anyone who has the Oct 2007 offer tried registering for the Jan 2008 offer successfully?

:cheesygri

So has anyone been able to get another offer for the Jan 2008?

[mikey411]

i got the 0% citi fom last May.. i just aplied for it again.. will see what happens :)

[kingfencer]

no experience in this kind of thing. so i dont' have to pay back for 1 year? what if i'm too poor and don't have any money to transfer?

[Waiwai]

no experience in this kind of thing. so i dont' have to pay back for 1 year? what if i'm too poor and don't have any money to transfer?

The 0% interest only applies as long as you pay the minimum and don't use it as a credit card (just take out everything and leave it until the 0% interest rate is over). If you miss payment, it goes back up to full.

I got $4400, and I had to pay roughly $90 this month, which isn't too bad at all.

[kingfencer]

ok, so do i have to transfer the amount from my other visa to this mastercard during registration? or can i register the card and then transfer my balance from my visa over?

[scooby9]

Just in time for RRSP deadline:)

[pogs]

i got the 0% citi fom last May.. i just aplied for it again.. will see what happens :)

I wonder if it would be better to apply again or ask for a credit limit increase?

[TorontoEh]

ok, so do i have to transfer the amount from my other visa to this mastercard during registration? or can i register the card and then transfer my balance from my visa over?

Oh so its just no interest during the year but you hvae to make monthly min payment!!! the rep kinda advised me as if this is no payment no interest for 1 year.....i knew something was wrong...lol

[mikey411]

ok, so do i have to transfer the amount from my other visa to this mastercard during registration? or can i register the card and then transfer my balance from my visa over?

let say you get approve and get a $5000 limit
u will receive balance transfer cheques along with the credit card which u can write to yourself $5000 and deposit the cheque to your bank account.

you can then do anything you want with the money after it's been cleared. :cheesygri

[slgta]

Yeah, I wish we have similiar sites for Canadian Credit Card.

I'm still enjoying the 0% transfer from Citi bank and using the money for investment purpose. I also got a letter from Citi bank last week to increase my credit limit. They may have figured out that they can't make money on my card and want me to use the extra credit for purchases.

Didn't they charge any service changes doing the transfer?
Even if it is 0% interest, they will still charge admin fee for the transfer, right?
I assume they treat this as cash advance.

[mikey411]

Didn't they charge any service changes doing the transfer?
Even if it is 0% interest, they will still charge admin fee for the transfer, right?
I assume they treat this as cash advance.

no charges whatsoever! :)
as long as you make the minimum monthly payments

[BlueMax]

So - is the offer still good or what?

[mikey411]

So - is the offer still good or what?

i don't like your tone son! :cheesygri

[SirloinofBeef]

Does anyone know what the maximum credit limit is on this card? This may be worth reducing the interest payments on the mortgage for a year if the limit's large enough for the wife and I to apply. No interest on say $30K (2x$15K) would be big money saved.

[Chameo]

I'm getting a rate of 0.9%. Did they just increase it?

[HunkaHunkaBurningLove]

Use the P6M code.

EDIT: I would say jump on this deal ASAP since I wonder if they may be replacing the 0% deal with the 0.9% one considering some of the codes don't work anymore.

[wiebecj]

I just applied for this - still showed the 0% deal, so I'll wait and see. I tried to transfer $6000 in balances from 2 credit cards (damn you RFD) right off the bat

[can2000]

I understood the interest of balance transfer is 0%, but how about purchase (I guess over %18)?

For example, 5000$ credit on CC. If BT out $4900, and one day use the CC to purchase $80 stuff, how to calculate the interest?

Thanks!

[Kaz]

Any purchases on this card would be paid AFTER the balance transfer was paid off.

Do not use these cards to make purchases......

[flito ray]

just applied for a second one
this is a good deal. cant turn down free money.

[TorontoEh]

just applied for a second one
this is a good deal. cant turn down free money.

Yes but gotta be careful as to how to take advantage of this....I'm assuming most will put in PC 4% and love the interest....however, i think you have to make their monthly min payment (citi)

[slgta]

Does anyone know what the maximum credit limit is on this card? This may be worth reducing the interest payments on the mortgage for a year if the limit's large enough for the wife and I to apply. No interest on say $30K (2x$15K) would be big money saved.

I am thinking about the same thing.
Did anyone tried to use the money as a lump sum payment towards a mortgage?
That will lower the principle amount in the mortgage and therefore save some interest. Just need to make sure that I will have enough money to put back to the CC in 01/2008. Any suggestion? Maybe instead of a extra lump sum payment to the mortgage ...can we pre-paid some of the scheduled payment for 2007 ..... and then on every month, put some money aside to go back to the CC in 01/2008?

[dealtaker]

I am thinking about the same thing.
Did anyone tried to use the money as a lump sum payment towards a mortgage?
That will lower the principle amount in the mortgage and therefore save some interest. Just need to make sure that I will have enough money to put back to the CC in 01/2008. Any suggestion? Maybe instead of a extra lump sum payment to the mortgage ...can we pre-paid some of the scheduled payment for 2007 ..... and then on every month, put some money aside to go back to the CC in 01/2008?

Oh yeah this is the place where all the financial experts hang out.
:cheesygri :D :cheesygri
I think you should probably talk to a financial advisor, or at least the mortgage person at the bank.

[flito ray]

Yes but gotta be careful as to how to take advantage of this....I'm assuming most will put in PC 4%