Chase Balance Transfer Reddit - Is it worth it to switch over from Chase? : r/sofi.

I’ve been banking with chase for over 10 years now. If you used any of chases "split a large purchase into 3 monthly payments" etc type stuff you will also see this option. Patelco credit union credit card. This is why the Citi Double Cash with its 0% balance transfer is a horrendous trap card for balance transfers. Things like restaurants, fast food and take out. 5k I would guess any card with a 0% APR promo would do. In summary, I have up to $15k available (subject to 5% interest ($750) for net $14250) for a transfer to my Checking Account, with 0% APR until April 2024. Up to $100 as a statement credit for Global Entry, TSA PreCheck ® or NEXUS every 4 years as reimbursement for the application fee for either program when charged to your card. Think of it as a form of buy now, pay later (BNPL. The process is very similar to balance transfers between personal cards. 0% for 15 months | Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. Here are 10 of the best ways to redeem 100,000 Chase Ultimate Rewards points through transfer partners. Log in to your online Chase account. (1) after the introductory period (in this case 15 or 18 months) if the balance transfer isn’t fully paid off, will I owe interest on the original amount, or the remaining balance? (2) I have an auto loan through Chase, (which I will not be transferring). I looked and I see my other Chase card, a United card, does not have a balance transfer offer. So, you have to do the math to make sure a balance transfer offer will still save you money in spite of. Best uses include hyatt transfers, domestic flights, and cashback. Best balance transfer card? Credit. For those you want to take this card as BT offer. I made the decision to apply for the citi. EDIT: As far as cash back/rewards, depending on where you spend most of your money, the Chase Freedom or Chase Sapphire would suit your needs. The original Slate was one of the rare balance transfer cards you could qualify for. Has anyone done a balance transfer between their chase credit cards? Would I still earn UR for paying the balance transfer over the year? Thank. If you're traveling internationally (or even domestically) and use your card, your credit card issuer may assume that your card was stolen and lock your account. Pay the discover off in 15 months. Chase will ask you to agree to some terms and conditions. Select an offer, then enter the amount and the credit card to transfer from. In the grand scheme of things. 0% Intro APR for Balance Transfers Chase Slate Edge also gives 0% for 18 months on balance transfers. 2 Lowering your rate would lower Chase's gain from interest they can charge you. I messed up and got a Chase Slate for my 4k Chase Freedom balance. So I requested a balance transfer form my Chase CC to my new WF Credit Card. That is longer than average for a 0% APR credit card offer right now (11 months). vice president client services salary There is an extremely important transaction that keeps getting declined for some reason and I called the Chase Customer Service line at 1-800-935-9935 and it says their services center is closed. Typically credit unions or small banks. I have been reading up on a "tier list" of credit cards and while I understand this is highly subjective of the user, the Chase sapphire card(s) are always among the best of the best credit cards. I have until 10:59PM ET on Monday night to put $162 in the ATM (or have someone Zelle me. Post any questions you have, there are lots of redditors with admissions knowledge. Take a look at credit karma to see opproval odds (which aren't 100% accurate but will give you guidelines) for cards. We may be compensated when you click on. I plan on transferring the $1400 BOA balance to my Navy Fed account. If you get a 0% balance transfer option you'll leave, but chances are you'd get that card whether you were given a lower rate or not because the 0% would still be cheaper. The chase account has updated and has the full balance, but the Amex account doesn't show any payments and still has the full balance as well. We are about to do some tree removal and while I have the cash, I would rather take the 5% hit and pay it overtime if I can due to my current HYSA rates. I currently bank with Chase, my credit score is a little over 700, and I have 12k credit card debt. The addition of 3% on dining & drugstores makes it better than 2% catch all for one card. Opening multiple credit cards in order to make balance transfers may reduce your credit score, which may make it more difficult to earn approval for a balance transfer credit card the next time around. Probably took two and a half weeks after my second request for the whole processabout a week for my Chase account to reflect the balance, another week before the card I transferred from sent me an alert saying they received payment, …. Please read the sidebar below for our. Once you have $5,500 in your Bluebird account, you can send an electronic payment from your Bluebird account to Chase to full pay your Amazon Rewards balance. The car loan is at Capital One. Not everyone would qualify though. Doing 2 Balance transfer, not at once but 4 days apart. It sucks due to horrible UI and chase closes your account automatically if …. If you do a balance transfer, understand that you can not use the card until its paid off. It's essentially a slow balance transfer from the higher interest card to a 0% interest one. Perhaps ask Chase if they are willing to increase your credit line after 2 months. You can’t transfer your balance from an existing Chase card to another card issued by Chase. Get a joint account with your parents. Making payments each month is easier when. Generally when you transfer a balance, you get hit with a small transfer fee which is 5$ or 3% of the transfer amount. Today the chase account is showing the balance posted. There are travel points here and welcome bonuses there. 00 of travel value but only $350. To get your account number, follow these steps: The first number identifies the industry and credit card network (Visa, Mastercard, American Express and Discover). My question is, meron bang bank na mag allow na mag transfer ng balance kahit wala kong existing credit card sa kanila? In short, new application of credit card plus balance transfer agad. ADMIN MOD Balance Transfer and Activating Replacement? My card is set to expire in a month and Chase sent me a new one in the. Depends on what your external account is. If you’re planning to ask the credit card. You end up transferring the rewards card balance to a balance transfer card with a $2,000 limit, and you close the rewards card. A balance transfer is treated as a payment. Chase is telling you that you are not eligible to have them pay off another card. Depending on a few factors, Zelle transfers can go through instantly or take a couple of business days. Hi, Just wrote up a huge post and apparently it didn't submit properly. NerdWallet values IHG points at 0. I'm supposedly not allowed to use this on the chase credit line. Get the Reddit app Scan this QR code to download the app now. You can save time and call yourself. tl;dr Promotional balance transfers to the Chase Prime Visa are not charged interest, but it eliminates the payment grace period on new charges, resulting in interest charged even if new charges are fully paid on time. 45 Cash in: At least $656, if redeemed for cash or statement credit. This card also has a $0 annual fee. If your current credit card has a high interest rate and you are trying to pay …. Do NOT use your balance transfer card as a purchase card unless you enjoy paying 20% interest immediately. I set up an automatic fixed amount payment. If you’ve got a lot of credit card debt and the monthly interest charges are adding up, a balance transfer credit card can be an excellent way of paying off that debt without payin. I always paid the balance off every month until the last 8 months. The transfer option is usually good for 3 months or so. Be sure to read sub rules before posting, use the resources…. In some cases, you may have to update your information, such. At 5%, you've just added $750 to the $15k. That's something you may want use a credit tool like NERDWALLET or Credit Sesame to see what your real options are. Check the balance on your Chase UCard online through the UCard Center at UCard. Often it's associated with some kind of special rate or bonus (like 0% APR for x months) 1. Shop Credit Cards Balance Transfer Cards Reward Cards Travel Cards Cash Back Cards 0% APR Cards Business Cards Cards for Bad Credit Cards for Fair Credit Secured Cards Credit Card Articles Credit Card Calculators. A place to discuss the in and outs of banking. You use a balance transfer check and it's billed with the promotional rate such as 0% or 2. New cardholders pay an introductory balance transfer fee of 3%, then up to 5% on future balance transfers. Here's the idea : Open a new Balance Transfer card with 18-20 months 0% APR with a 3% transfer fee. Hi everyone, I frequently use my Chase Credit card (Amazon card), but I always pay off the interest saving balance at the end of the month. The problem is, Chase doesn't recognize the Virtual card details as a valid credit card. Call the number on the back of the card. Together, we can help protect you and your money. If it says you can deposit it then you're fine. Accept the terms and conditions to proceed. They may be able to up your limit from $4k to maybe $6k. Branch employees can only apply for a new credit card, reprint your statement, and take payment. And Chase offers a few credit cards that feature introductory 0% periods on …. If your card earns rewards through Wells Fargo Rewards ®, rewards will not be earned on balance transfers. Just make sure the branch manager is available at chase or a nearby branch. Can I transfer my Chase Sapphire Preferred balance to the Chase Ink Unlimited to take advantage of the 0% APR? And would there be any fees involved? Locked post. What can I use a balance transfer for? Pay off higher-rate credit cards. Problem is I want to apply for the Amex Blue Cash everyday Preferred. It's a one off promotion when you initially get the card. The balance transfer offer would be on the "receiving card's" end, not the existing balance card. No more than 2 Chase cards will be approved in a 30 day span. 49% variable APR applies for purchases and balance transfers. If your landlord is wanting to get electronic payments they'd have to be set up with Chase for electronic, otherwise they'd receive a paper check. That whole time the rest of your purchases will be piling up and accruing interest. The Chase Slate card offers a 0% intro fee with no balance transfer fee, so I would look into that. Or, they sometimes send those checks that you can fill out for whatever. A Green Dot prepaid debit card is accessible online. Choose a Chase credit card for the balance transfer. For brand new, it's 10-14 business days. I recently did a 12 month 0% Balance Transfer promotion and put $6700 on the card, putting its total balance at around $8000. Any advice would help thanks in advance. Since you're already paying the $100 out of checking, you could instead charge that $100 on the new 0% card and then throw $ at the maxed one. publix weekly ad enterprise al I had done a balance transfer a while back to my Discover card and then accidentally charged like $10 to it. Most balance transfer cards have a 3-5% fee. TLDR; I wanted to maintain credit health and save myself a lot of money on interest. home depot wood look porcelain floor tile It provides 18 months from account opening of 0% introductory APR for purchases and balance transfers (then 20. There are plenty of tools made for this - CashApp. 1x points for each dollar spent on all other purchases. Hope my experience over time …. Also if you spend 500$ they grant you 200$ dollars free. Another way to get your money from the vanilla gift card is a money order. Also check to make sure they aren't charging you a fee for the balance transfer. This APR will vary with the market based on the Prime Rate. It’s usually 1-2%, but your card documentation should have the amount (and probably the statement as well). I go hit up for like a buck for 3 months in a row even though I paid like $500 each month towards the balance. Balancing the pros and cons of a balance transfer. What might be obvious to you clearly isn’t to us. Edit: You need to clarify if you're talking about checking account to checking account transfers, or credit card balance transfers. AMEX balance transfer question: So I have 2 credit cards with a $6900 balance (AMEX Delta Platinum) and $4700 (Chase Freedom Unlimited). Aeroplan Cardmember 10% Bonus on Chase Ultimate Rewards Point Transfers If you, as the primary cardmember, also have an eligible Chase credit card with Ultimate Rewards ® , you will be eligible to receive a 10% bonus after you transfer 50,000 or more Ultimate Rewards points in a single transaction to Aeroplan. So if 60% of the balance was a balance transfer at 0% and the rest were purchases at the normal rate, the payment would go 60% towards the former and 40% to the latter. A subreddit for discussing credit cards. Go for it- chase is great despite what some people say I’ve had no issues. com or Chase Mobile ® app) OR, Chase College Checking℠ account linked to …. This is usually done by opening a new credit card account to make this transaction. The Chase Slate Edge ® credit card includes great benefits like: A low intro APR for the first 18 months from account opening on purchases and balance transfers. How much money can I transfer? Most Chase accounts have a $25,000 per day limit. The Slate has an 18 month balance transfer offer but no real perks. The Platinum Rewards is good enough. Offer is only available for Ink Business Cash. Making check deposits into accounts that are less than 30 days old. You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. There are 3 main types of balances on a credit card: purchases, transferred balances, and cash advances. The Freedom Unlimited has a 15 month balance transfer offer, but once that’s paid off you’re earning 1. Method, a startup that aims to make it eas. New card credit limits got progressively smaller, something like $35k down to $20k, so he had to make more than minimum payments fairly abruptly. Chase checking goes by "average beginning DAY balance" between your 2 accounts. $500 remains on my discover account, but now my monthly payment for it is affordable. I had to call them to get the account number since they don’t list it anywhere. Pay it down to less than 8% of the credit limit ($5 is fine, actually). Sign in to your Chase Mobile ® app and swipe left on your checking account. Every number I call routes me to that and it automatically hangs up. Discover it Card Balance Transfer: 0% APR for 18 months, 3% transfer fee, 690+ FICO requirement. Yes, it's allowed or it wouldn't make sense for Quicksilver to offer 0% APR on BTs. Make purchases with your debit card, and bank from almost anywhere by phone, tablet or computer and more than 15,000 ATMs and more than 4,700 branches. I only have two credit cards: Business Unlimited and a Visa Signature through my credit union. You'll need to provide the account info of your Chase Amazon card. Her loans generate ~$500 per month in interest and the thought of that makes me absolutely sick. Pay down utilization if it above 30% before closing statement snapshot date. Let's say you have the average APR of ~25% once. That way, you can pay off existing accounts and consolidate the debt into another one, sometimes at a temporary low or 0% interest rate on the transferred amount. Would it be insane to both apply and transfer whatever credit limit is given to us (both of our scores are ~775). best gonoodle videos Monday, 12-Feb-24 09:14:01 UTC Online transfer to gmr chase reddit website. Try contacting PayPal support using social media such as Facebook or Twitter as this works more often than telephoning. The past two times I've done a balance transfer from Discover it's taken just about 7 days. Expect to pay about a 3% fee (sometimes 5%). To Balance Transfer or Not to Balance Transfer Note that Chase does not allow you to balance transfer from other Chase Reddit · reReddit: . Chase balance transfer expiring I did a balance transfer from a carecredit card to Chase and this will be expiring in December. Chase's rule for new applications is the 2/30 rule. If you do this, make sure to be realistic in how much nominal debt you represent having. They got back there with a reply that said "We completed your request for a credit balance refund. Capital One Quicksilver Rewards, 2k 24% APR. Immediately (no 30 days grace period) you will be charged Interest on the $400. Edit: A charge showed up at a place I forgot I shopped at. Convenience: Paying taxes with a credit card allows you to make an online transaction. Pay off credit cards with higher interest rates. how to make the best decision when booking travel with URs. Preferably 0% interest for minimum 12 months. Most of the other banks have a 0%APR, $0 balance transfer fee offer. *An average beginning day balance of $75,000 or more in any combination of this account and linked qualifying Chase checking, savings and other balances. Some cards offer both Balance and Purchase promos, other cards only offer one or the other. This would be a balance transfer for a partial amount of that. What is a balance transfer? A balance transfer involves moving the balance from one credit card to a new one with a balance transfer offer. you cant balance transfer between the same financial institution (ie debt from a chase card to a chase slate). To learn more, visit the Banking Education Center. The attacker tells the Chase rep the card number and mother's maiden name to gain access to the account, then initiates a points transfer over the phone. After I paid my chase card off with a balance of zero. I could only find one, Union Bank, that has a 0% BT fee. You’ll be charged a 3% intro fee (or a minimum of $5, whichever is greater) for each balance transfer made within the first 60 days of account opening. You can transfer balance between your Amex cards. Review your choices and tap "Set up automatic payments". ts scort in la It's pretty standard that if you balance transfer to a card that you lose the grace period so if you are using the card for other purchases then. I requested a balance transfer while opening the account on 2/1 and then requested a second balance transfer a few days later (can’t remember the exact date). The email should show last 4 of your credit card number that it's associated with. Reading the description, I understand there is that 3% charge for balance transfer. The Chase credit card payment address is: Cardmember Services. The Ink Business Unlimited® Credit Card interest rate is 18. Other benefits and drawbacks: The Freedom Flex comes with a welcome offer: $200 bonus. Existing balance requirements: Under the Relationship Pricing Program, participating customers who have at least $500,000 in existing eligible Chase and J. I was carrying a high balance on Chase until last month. I'm currently banking with Chase and US Bank(just opened a checking account with them a week ago). I have $12,000 open on my HELOC with a variable interest rate that's currently at 6. Or check it out in the app stores Chase Slate (THE balance transfer card) no longer available online, but can still open an account at a branch! Credit If the balance transfer is rejected see if they'll let you balance transfer to your checking account. Made some bad financial decisions but have a plan to pay off my balance within a year or less. Wells Fargo reflect, bank Americard, Citi diamond preferred. It's too bad that only lousy leftist banks like Wells Fargo and Chase can do it all, but conservative banks/credit unions limit their services. Regardless of the bank, your credit profile will always be a determining factor. Get a bankamericard or the amex one that offers 0% for 15/18mos and 0% bt fee for first 60 days. Chase Balance Transfer question Debt Want to wipe out my car loan of about 9k at 7% interest with a BT after I apply for the Chase Freedom. After that period is up, a 5 percent balance transfer fee (minimum $5) will. springfield oh craigslist I've always used the full 16 digit card #. I deposited the $3,800 on chase. I want to transfer the balance to an external bank where my APR is much lower. I called and complained and finally the $10 went away. Please note: Balance transfer request(s) made online and/or with a Customer Service Specialist cannot exceed $15,000 within any 30-day period. After trying to reviewing my statements , the chase app proceeds to tell me “we’re having some trouble right now” and the top page says “some of our services aren’t available. Chase breaks down 'cash available for trade' which shows more than my 'unsettled cash. New comments cannot be posted and votes cannot be cast. This "Chase Slate" cards say you get $0 fee for the first balance transfer and then 15 months to pay it off @ 0% APR. Or check it out in the app stores Balance Transfer - Chase Freedom Unlimited. If you double balance transfer $5000, for example, you’ll be paying $300 in fees. Chase is a giant in the credit card space. It started development in late 2014 and ended June 2023. Need to know the balance transfer fee for each card to determine best course of action. If approved, the balance transfer will be visible in the account within 21 days at most. This is a really weird situation. Or check it out in the app stores   Looking on advice for a high amount balance transfer preferably with no transfer fee as that 3-5% fee would tack on another $700 or so. 24% (V), depending on your creditworthiness. Reddit's home for tax geeks and taxpayers! News, discussion, policy, and law relating to any tax - U. Look at your options via your online portal - the easiest is if you have a Direct Deposit option. Cashiers check/personal check - If you live near a chase branch or have a chase checkbook, you can write a check and deposit it into Capital one. I had to call them to get the account number since they don't list it anywhere. Before transferring, call Chase & ask to speak to a credit analyst about your situation. I have the chase my plan option but I also have a promotional balance transfer if 0% for 12 months with a 5% transfer fee. Earn 1% in Rewards Dollars with the Disney Visa Card from Chase. The Chase Slate card offers over a year to pay off debt with no interest charges for the first 15 months on purchases and balance transfers (then a 14. I got all set up to do a large $15,000 balance transfer promo but when I went to do it they hit me with the 3% fee right at the last page before hitting submit. Choose “Pay Bills” in the navigation menu. Full press release can be found here. If you don’t have a checking account, you can swipe left on your loan and tap Pay. I signed up for a zero interest card with free balance transfer. Aim for a balance transfer card with 0% balance transfer fee and 0% APR for 12-18 months. 30 inch goldendoodle dog with santa hat outdoor christmas decoration Decided to go the balance transfer route to start making a real dent into my debt. Top 1% As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity - directly from Fidelity Associates. Yes, you could use the money for anything you want, including paying off your Sapphire account. I usually pay off monthly but I have a major major purchase and was looking to get a BT card or something with a 0% intro rate. You could take a balance transfer on your existing credit card or apply for a new credit card that has a low introductory APR on balance transfers. The Chase Slate Edge(SM) card offers 0% Intro APR for 18 months from account opening on purchases and balance transfers. Get 10% savings at select Disney locations and 0% promo APR on select Disney vacation packages. Yep -- you want to pay that balance down before the statement date, NOT just the due date. Of course your normal card limit will always apply. Now, after 15 days with my pay directly deposited into Chase once, the transfers are instant. Some smaller banks offer 0% transfer fee as well, while most balance transfers will have a 3% fee. Make managing your finances easier by combining several credit card balances into one. Chase online lets you manage your Chase accounts, view statements, monitor activity, pay bills or transfer funds securely from one central place. If you transfer amounts owed to another creditor and maintain a balance on this credit card account, you. The Chase Sapphire Preferred® Card isn’t a credit card for everyone — you’ll need to have good to excellent credit to have a chance at getting approved. Hello all, I recently used balance transfer (1. I called Capital One to ask what’s up. May 12, 2023 · Transfer your balance as soon as you’re approved for a new card: Chase’s 3% intro balance transfer fee ($5 minimum) only applies to the first 60 days after your account is open. Question about chase freedom unlimited balance transfer "Interest Charges on Purchases: Once you take advantage of this offer, you will have a new promotional balance on your account. mike temara It is likely that Capital one will put at least a 2 business day hold on part of the. It's still a Chase-to-Chase account and no banks will allow this type of transfer. MR=membership rewards, Amex's reward currency. Simplify your finances with fewer credit card bills. I transferred $3000 from my discover card to the Chase card. Just FYI… my balance transfer fee to WF was $150, but it was added onto my debt and included in the 0% for 18 months. Balance Transfer with Chase and Misleading Fees. My discover account is still showing the total and no transfer is pending. Impeccable credit, 15 year account history, hefty limit, never carry a balance. FYI - there are some sites stating that the AMEX EveryDay credit card has 0 fees. I don’t care about rewards, miles, whatever—I just want a card. BTW, im currently with BPI, so im not happy. If I sign up for a new Chase Freedom card can I get the balance transfer promo or it won’t let me because I’ve had cards before?. They are reported once a month. He also has a Capital One Quicksilver with a $3303 balance out of total $4150 limit (3303/4150). reReddit: Top posts of April 13, 2022. If you're looking to move money out, do it in one transaction. 5% Cash Back on large purchases. discovering world geography online textbook The best balance transfer credit card offers come with a promotional 0% interest rate and give you from 6 to 21 months to pay off the …. Here are the four personal finance tips they recommend as helpful for most people. However, it specifies that it's a "pending transaction" instead of a "posted transaction". where is major general eric hill now Was wondering essentially the title - would a balance transfer to the. If your card issuer suggests setting travel notifications, alert them that you're traveling ahead of time. Oct 12, 2023 · Balance transfer offer: 0% intro APR for 18 months from account opening on purchases and balance transfers, then a variable APR of 20. Increased Offer! Hilton No Annual Fee 70K + Fr. If you make your balance transfer in the first 60 days, you’ll be charged a transfer fee of 3% or $5, whichever is greater. The IHG loyalty program is good, but it's generally a weak Chase transfer partner. Reallocating credit limits has nothing to do with your outstanding balance; it affects the …. I have a decent amount of cc debt (around 12000) and I got a new card with 0% balance transfer and 0% APR for 14 months - UNFORUNTATELY I didn't do my research well and when I tried to transfer 2,350$ of the card with debt to the new one, it told me I could not transfer from a Chase cc to another Chase cc (LOL). Small correction, Chase Slate offers free balance transfers for the first 60 days, not just the first transfer. After that, most transfers are processed within four days. Still not as good as a real balance transfer. Getting denied for a balance transfer card may be inconvenient, but you can recover by taking the right steps. Credit I would guess when someone goes to cut the check for the balance transfer, they'll realize & not allow the transfer. This card charges a 3% (minimum $5) balance transfer fee for the first 60 days, then 5% (minimum $5) after that. I recently helped pay for my girlfriend car repair because she couldn't come up with the money. Reddit · reReddit: Top posts of June 2022 . 00 worth of reward points that can be put toward a credit card payment. For example, Chase limits all balance transfers, made online or through a customer service representative, to $15,000 within a 30-day period. Balance transfer intro APR: 0% for 15 months. In fact, if you click on Chase's link for Balance Transfer "Excellent" credit just means you are a low credit risk. the Sapphire Preferred/Reserve or Ink Preferred. It looks like now that credit card issuers are becoming more restrictive, they only allow transfers directly to other credit cards and loan balances. nc slammer If it's before cutoff time on a business day the transfers between checking and …. Get the Reddit app Scan this QR code to download the app now Chase Balance transfer. If chase gave you more than a 10k limit on the CFU, you can easily apply for the CSP with a good chance at approval. All payment go toward the balance transfer first leaving new purchases to accumulate interest. View community ranking In the Top 5% of largest communities on Reddit. The chase card has a balance of $5,000 that is not under any promotional interest so it is subject to my 18.