Balance Transfer Credit Cards

The Discover Card offer listed above is not correct. I applied on-line, didn’t see any mention of a balance transfer fee and got my first bill that showed a 3% fee. I contacted Discover and they said they never do a transfer without charging the fee. They were rude, stupid and I will never do business with them again. I offered to pay the money back immediately but they told me too bad and that I would just have to eat the fee.

DO NOT DO BUSINESS WITH DISCOVER. I HAD HEARD BEFORE THAT THEY ARE THE WORST CREDIT CARD ISSUER OUT THERE……IT IS TRUE!

I would call them every day until someone helps you out. It really depends on the associate….i got them to lower my friends interest rate from 27.99 to 5.49 and she has terrible credit…I just called everyday until the 3rd day when the man was very nice and offered that.

After you are linked to Discover you have to read the agreement. It clearly states there is a 3% fee charged, but this website says there is no fee. So, who should you be mad at?

it’s now 4% big print on front of app…but little print on back…try chase no charge for bal-transfers

Sorry to bust everyone’s bubble but it’s NOT a FEE, it’s an interest bearing recurring charge that’s rolled into your balance. A fee (as I was taught, and that’s used and applied in any business transaction other than a credit card, is a ONE time charge. That’s it. Like a sales purchase, or pick your pay scenario. Co-pay for a doctor / dentist or a toll is a FEE. The “Transaction Fee” Discover assesses your credit card is added to your balance; so, if you carry over a balance into the next month the amount accrues interest.

Add Wells Fargo to your list of banks you do not want to do business with. After many years as an on-time customer they raised my rate to 18.99 with no notice and no opt-out offer.

With all of the junk mail received from these credit card companies and all of the constant phone calls about identity theft protection services (in spite of telling them *each and every time* to remove me from their calling list), would I even recognize an opt-out letter if I received one?

I am in the same boat as many here, I have a credit score over 800. have never missed a payment and always pay WAY more than the minimum due, I’ve been a loyal customer to CitiCards for several years, yet they raised my rate to 19.99%. It took two phone calls and a lot of talking to get them to drop it just a couple of percentage points. I am transferring the balance to a 0% card and paying it down or off as fast as I can. Then I will only use that card once or twice a year (a requirement to keep my American Airlines miles). But obviously they don’t care very much about my business, so I guess they won’t miss me very much.

Hello Folks,
After reading all the comments I could not sit back and warn you of the situation I ran into. Yes, all the credit card companies are out to screw us “good paying, excellent credit rating customers”. I signed up for a 0% transfer card with Chase. I was also paying over the min req. My bill was due on the 26th of each month. I made my july payment on the 17th of July and then made my Aug payment on July 31st. Come early Sept I went to make my Sept payment and I was notified that I lost my 0% rate because I paid August late. Can you believe that? I paid within my billing cycle and paid it 27 days early and lost my 0% rate! Bottom line here is they are all crooks. Lets all get these cards paid off, become debt free, and put ALL the credit card companies out of business.

I’ve been with Citi for 6 years now. I recently got a letter from them saying they are going to raise my credit limit an additional 10k because I’m such an excellent customer, never been late, always paid more than the minimum, and had excellent score.. But then they raised my interest rate to 29.9%!! I couldn’t believe it! I called them and they said that was the lowest they could offer me. Makes no sense. That’s why I’m on this site, looking for the best offer I can find to do a balance transfer.