Does anyone know of any credit cards that have 0% interest for the first 12 months, or something similar to that?

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  • #83069 Reply
    USER

      I’m looking to do a balance transfer from a current credit card, so I can finally pay it all off.

      I know with transfer fees, it might be pointless, but I figured it couldn’t hurt to ask since you guys seem to know a lot!!

      #83070 Reply
      Tommy

        The CC company hopes you miss a payment and you’ll be charged 30% (example) from the start of the original amount. Scary

        #83071 Reply
        Brittany

          I use care credit but I don’t know how it works with transfer. I use it for vet bills, dental, surgeries not covered by my insurance etc. wouldn’t hurt to look into, even if just for future refernce.

          #83072 Reply
          Allison

            It would never be pointless with transfer fees as they range from 0-5% of the balance which is less overall than credit card interest. I get offers constantly for balance transfers. Bank of America cards, discover IT, citi. Look around.

            #83073 Reply
            Michelle

              Keep in mind if you don’t have the entire amount paid off by the end of the zero interest period. They go back and charge crazy interest for the entire amount you transferred.

              #83074 Reply
              V Ann Crook

                I suggest Credit Karma. You can see all your credit info and it gives suggestions for balance transfers (and the likelihood of approval).

                I would use an online calculator to see how much you would pay in interest leaving the debt where it is currently. Compair that number to how much the transfer fee to be sure which is going to save you the most money. Keep in mind the end of the promo rate.

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              Reply To: Does anyone know of any credit cards that have 0% interest for the first 12 months, or something similar to that?
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