donnie darko wrote:
- quote -

Look for a card that has no balance transfer fees with the offer. Try Citibank
Platinum Select, HSBC Cashback Platinum, Chase Amazon.com Visa.

- quote -

Any one is fine as long as there are no fees of any kind. Avoid any offers that
they try to impose upon you like credit protector. Just say no to everything
except the card itself and the balance transfer.

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Every card I have is online friendly. The most online friendly, however is
Providian - they automatically make payments on the card from my account on the
due date and I can select how much to pay. With the other cards, I have to
select a particular payment date and that might not always be the due date. Also
providian offers your fico score for free. In your case, however, you need any
card that gives you 0 APR and free balance transfers.

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--
Manage your book collection online at http://www.parchayi.net/bookshelf

"donnie darko" <brad.bolender[at]gmail.com> wrote in message
news:1144885178.849511.61980[at]i39g2000cwa.googlegroups.com...
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Try American Express. They have some low APR's for the life of the balance
(catch is, you cant charge anything new to the card, or you end up paying
that higher interest off first). Just read the fine print and all the
terms. Usually, if you miss just one payment or are late once, your rate
jumps to 20+%. You'll pay a fee for the transfer ($75 max?), but you save
that in less interest paid.

I expected this type of initial response, and perhaps deserve it.
However, the money spent on the wedding could hardly be called a
"habit" and I can assure you that I'm not "likely just to run up more
debts [i] can't pay." The only other debt we have is my wife's student
loan and our mortgage. Since my credit rating is very good, I don't
see a reason not to use an offer of interest-free balance transfer to
save a few hundred dollars as I pay this off. Let me know if I am
off-base on this assessment.

DD

"donnie darko" <brad.bolender[at]gmail.com> writes:

- quote -

Um, spending $6800 you don't have on a wedding is hardly a
"necessity". Maybe you need to re-think your spending habits instead
of looking for another credit card; otherwise, you're likely just to
run up more debts you can't pay.

-Sandra the cynic

My wife and I ran up some credit card debt out of necessity for our
wedding six months ago. We currently have $4,800 on one card of 14%
interest, and $2,000 on another card with 11% interest. We are
prepared to pay these off, and are able to pay about $800 a month.

The first step I would like to take is to take advantage of an offer of
"0% interest on balance transfers for 12 months" and transfer the
larger balance to a new account. This will save us about $65 the first
month and, of course, 14% of the balance from then on. I am not
concerned about the most common "catches" of these offers: I have no
need to put any future purchases on the card, nor will I be late since
I am eager to pay these off.

My question is, how do I select the right credit account to which to
transfer the balance? Like most people, I get several offers in the
mail daily. But I don't want to use one of those because it seems
inadvisable to act on whatever offer lands in your lap (not to mention
what might occur if you encourage one of the snailmail spammers! No
doubt you would receive many more offers afterward).

I prefer an account that is "online-friendly" so I can easily transfer
funds from my checking account to the credit account. Any
recommendations for specific offers or strategies for finding one?

Thanks very much,
DD