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Higher Balance Transfer Fees
The prolong weak economy, recent financial crisis and new credit card act have drastically changed the landscape of US credit card market.
It is a fact that getting a decent balance transfer card is much harder now without incurring a hefty fees. The credit card issuers are raising the balance
transfer fees as high as 5% nowadays. You must take note on the minimum and maximum cap on the balance transfer fee as well, if any.
This only means getting a 0% no fee balance transfer credit card is not possible at the moment.
However, good news is, unlike previous years where 0% balance transfer card is pretty much limited with only up to 6 months offer, now you've wider choice of up to 15 months 0% balance transfer introductory offer.
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Get your best balance transfer credit cards with 0% interest today!
WARNING : The card issuer may STOP card offers and promotions without notice. Grab the card of your choice while it last.
For detailed card information or to apply,
click on the link next to the card of your choice and a new window will be opened for you.
Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. (If there is an interest charge, the charge will be no less then $1.00). This rate will not change during the introductory period.
Low Introductory APR on Balance Transfers of 1.99% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% (Prime + 4.25%, Prime + 6.25%, and Prime + 8.25%) based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less then $1.00).
Low variable rate of 7.25%, 10.25%, or 13.25% (Prime + 4.00%, Prime + 7.00%, or Prime + 10.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Earn 1% in cash back credit on all qualifying purchases
No limit on cash back; no expiration date on eligibility for accounts in good standing
Travel accident coverage up to $500,000
No annual membership fee
Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00)
Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate
Earn 1 bonus point for every $1 in qualifying net retail purchases
Turn your points into hotel, travel, gift or experience rewards
Travel accident coverage up to $1,000,000
No annual membership fee
Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00)
Low Introductory ARP on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate
3 Points on Hotels and Dining (through December 31, 2010)
No Balance Transfer Fees – Good till April 30, 2010
Automatic enrollment in PenFed Premium Rewards Program
Access to 600+ Luxury VIP Global Airport Lounge Access with $15,000 Annual Spend
24/7 Premium Concierge Service
Exclusive Travel Upgrades and Offers
Redeem on any Airline; no black-out dates or restrictions
Spend $650 in the First Three Months and Receive 20,000 bonus points
No Foreign Transaction Fees!
You must be a Pentagon Federal Credit Union member to apply. Not a member? It’s easy to join. You must be a United States Government employee, member of the United States Military and Uniformed Services, employee or volunteer of the American Red Cross, member of the National Military Family Association, or a family member/housemate of a current PenFed member.
Introductory Purchase Rate – 7.49% APR for the first 36 months. Afterwards, the APR will vary with the Prime Rate and is currently 9.99% APR.
No Balance Transfer Fees – Good till April 30, 2010
No Foreign Transaction Fees!
Some restrictions apply.
You must be a Pentagon Federal Credit Union member to apply. Not a member? It’s easy to join. You must be a United States Government employee, member of the United States Military and Uniformed Services, employee or volunteer of the American Red Cross, member of the National Military Family Association, or a family member/housemate of a current PenFed member.
Earn 5.00% Cash Back from Gas Purchases Paid at the Pump*
Earn 1.00% Cash Back from All Purchases** You Make with the Card During Each Billing Cycle
No Balance Transfer Fees – Good till April 30, 2010
Up to $50,000 Limit
No Annual Fee
Cash Rewards Credited Each Month
No Special Restrictions to Earn Your Cash Rewards
Limited Time Only – Low Balance Transfer Rates†
You must be a Pentagon Federal Credit Union member to apply. Not a member? It’s easy to join. You must be a United States Government employee, member of the United States Military and Uniformed Services, employee or volunteer of the American Red Cross, member of the National Military Family Association, or a family member/housemate of a current PenFed member.
Why such drastic measures are taken?
With current economy woes where unemployment rates skyrocketing, lending has become a highly unpredictable risky business. Most credit card issuers are unwilling to extend credit for high risk lending.
The delinquency rate is high and they are making huge losses in the credit card business operation.
Not only the application process is strict, favoring a small group with excellent credit rating, the credit card issuers are now expecting to be rewarded fairly for taking the unusual high risk lending.
All these unfavorable circumstances has somehow force and lead the market with no option but to increase in fee, which is almost inevitable, if not predictable.
Pay off the debt within introductory offer period
Although it may not possible for you to pay the balances in full within the introductory offer period, it is to your advantage to put extra efforts in paying as much as possible in the given period.
At the end of the day, you'll be glad with the savings you made by paying within the offer period.
If you plan to carry your balances beyond the introductory offer period, make sure the interest rate is reasonable and affordable according to your plan.
Aside that, to help settle your debt faster, it is best not to make any purchases with the balance transfer card.
What if you have more than one card with balances
At the end of the day, you may not be able to consolidate all your card balances into one card.
In such circumstances, you should concentrate in settling off the balances on one card while paying the minimum amount on other cards.
And restraint yourself from making further purchases with your cards.
This practice should continue until you settle your debts in full on all the cards.
Credit Limit and Minimum Payament
Bear in mind the issuer is entitled to reduce your credit limit and increase your monthly minimum-payment amounts.
It is advisable to use only 30% of the credit limit available to avoid such reduction from affecting your credit score.
This may help to ensure you are not caught off-guard in case the issuer raise your monthly minimum-payment required.
With such uncertainties, it is best to stress against making purchases with your balance transfer card, until unless all the balances are settled in full.
Nowonwards, preserving your creditworthiness has become a crucial factor in determining your financial future. So make good use of your credit and do not spend on something you can't afford to pay.
Treating your credit card like a charge card i.e. paying your balances in full every month is now the golden rule in maintaining a healthy credit history.
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All card applications are strictly confidential.
You are allowed to apply for more than one card.
Your application is safe and secure with SSL encryption technology.
Safe and secure online application with SSL encryption technology.
All card applications are strictly confidential.