Tuesday, September 16, 2008

Balance transfer offer -- no thanks!

Chase just sent me a "great" balance transfer offer: 3% fee ($75 max), 0% APR until 3/2009. What a joke. Considering the risk in paying at the last minute plus the delay in getting the cash, that's only like 4 to 5 months for the promotional rate! At the amount I'm considering ($10k) that is hardly worth it. At ING I'd earn roughly $10k * 3% * 4.5/12 - $75 = $37.50 over the entire period.

Ah... upon closer examination, the promotional rate ends at the opening date of my 3/2009 statement... in other words, 2/2009. So make that 4 months max!

And furthermore, switching my purchases to another card would mean losing quite a bit of cash as this is my best rewards card.

Thanks Chase! But no thanks.

Notice that a 3% fee for 4 months equates to approximately 9% APR. I love how tricky they are, it's like a game.

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