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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.
This only means getting a 0% no fee balance transfer credit card is not possible at the moment.
Your choice is now pretty much narrow towards a 0% balance transfer card up to 6 months with 3% to 5% transfer fee; a low interest balance transfer card with low transfer fee; or
a no fee balance transfer card but with a higher interest rates.
You must take note on the minimum and maximum cap on the balance transfer fee as well, if any.
Safe and secure online application with SSL encryption technology.
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.
Looking for a credit card with a great interest rate? Want to save hundreds in interest and consolidate your large credit card bills into one low interest payment? Apply for the Bryant State Bank MasterCard Credit card today!
Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.
25 Day grace period
Online access to credit card account information
Purchase and Cash Advance APR may vary depending on your creditworthiness and other factors.
Introductory Fixed Rate on Purchases and Balance Transfers of 7.50% APR for the first 12 billing cycles.
Applies to balance transfers processed within three months of your account open date.
Low Ongoing Variable Rate APR after introductory period
No transaction fee for balance transfers
25 Day grace period
Online access to credit card account information
Purchase and Cash Advance APR may vary depending on your creditworthiness and other factors.
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 APR
Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.
25 Day grace period
Online access to credit card account information
Purchase and Cash Advance APR may vary depending on your creditworthiness and other factors.
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 $500,000
No annual membership fee
Low, variable rate APR
Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.
25 Day grace period
Online access to credit card account information
Purchase and Cash Advance APR may vary depending on your creditworthiness and other factors.
BLACK CARD MEMBERS ENJOY THESE EXCLUSIVE PRIVILEGES:
Limited Membership
The Black Card is not for everyone. In fact, it is limited to only 1% of U.S. residents to ensure the highest caliber of personal service is provided to every Cardmember.
24-Hour Concierge Service
Become a Black Card member today and enjoy our 24-hour world class Concierge Service, ready to assist you with all your travel, leisure and personal needs.
Exclusive Rewards Program
The more you use the Black Card the better. Black Card members will receive 1% cash back on purchases or points that can be redeemed for travel on any airline at anytime.
Luxury Gifts
Black Card members deserve the best of the best. Members will receive Luxury Gifts from some of the world's top brands.
Patent Pending Carbon Graphite
The Black Card is made with carbon graphite, creating a more durable card, guaranteed to get you noticed.
Annual Fee $495
0% APR for 6 Months on Balance Transfers*
When opening a Black Card account, you can transfer over your existing balances and accrue no interest for six months.
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.
Get your best cash back credit card offers here:-
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.