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Ok, I am all about the advice today. You guys are great.

I got a 0% BT offer from ATT Universal, for one year. With this offer, I could transfer my entire balance (nearly 7k at roughly 5%), and probably have it paid off within a year, if my work circumstances don't change.

So...
Anyone have this card? Are they reputable? I'd love to do this, but fear getting hit with a rate-adjustment.

Thanks!
-Brad

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I've never had any trouble with my AT&T card. Its probably my favorite card because somehow it gives me a nice 7.35 APR (don't ask me how, I haven't a clue). I've never dealt with one of their customer service reps, though, so I don't know how nice they are if you have a late payment or some other issue.

EF
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Oh, I should add that I have had rate adjustments with my card, but they have all been decreases that I haven't asked for. So, no complaints from me!

EF
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I don't know about interest rates, but I've never had a problem with AT&T Universal. I've had the card in the past and cancelled it because they no longer offered rewards, when I was looking for another Mastercard I opened one with them.

So I'm a not-disatisfied customer :-)

-Megan
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DH and I both have taken them up on this offer. DH's has been paid off with no interest and no fees, and mine is doing fine at 0% interest and no fees. I give them a thumbs-up. Just be real careful not to be late with any payments!
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We're happy!
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I believe that AT&T is owned by Citibank. I have not heard anything bad about them.


CristyneS
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I believe that AT&T is owned by Citibank. I have not heard anything bad about them.

Really? That is too funny. The balance that I want to transfer to them is presently on my Citibank Card.

-Brad
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I think they will send you a check instead of the normal transfer. I'm sure I read on this board of how people have done this between the two. Someone on the board will post it.

CristyneS
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AT&T send me the 0% offer last December.. then didn't approve me ..one of the reason sited.. to much open/available credit.
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No problems here.

They're really good about waiving late fees, also.

frissy
not that I *should* know that information....LOL
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They won't let you transfer a citi account onto it, and they recently joined the "if you're late on anything else we'll jack your interest rate" club.

Thren
owner of two ATT cards, one paid off, one not.
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They won't let you transfer a citi account onto it, and they recently joined the "if you're late on anything else we'll jack your interest rate" club.

I discovered this last night, when I called to apply for the card. I am presently deciding whether it is worth getting the card, transfering that balance away from my Citi account (to my USAA card, which I use for my month-to-month bills), and from there onto the AT&T Universal card at 0%.

Is this a bad idea? Normally, I don't think I would try to shuffle so much, but this would save me something in the neighborhood of $250 in interest over the next year.

-Brad
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I discovered this last night, when I called to apply for the card. I am presently deciding whether it is worth getting the card, transfering that balance away from my Citi account (to my USAA card, which I use for my month-to-month bills), and from there onto the AT&T Universal card at 0%.

Is this a bad idea? Normally, I don't think I would try to shuffle so much, but this would save me something in the neighborhood of $250 in interest over the next year.


Sounds like a plan. My sister has done this with the Amex Blue deals she's gotten. She doesn't like the continual zero % BT game, or the prospect of a variable rate card (USAA offers 6% variable for those that qualify), but over the last few years Amex has offered her 9% for the life of the balance, then 8%, then 7%. Every time she gets a new, better offer, she transfers her Amex Blue balance to USAA, then transfers it right back to Amex.

In your case, it's not going to cost you anything except for the interest on the USAA card that will accrue for the few days/weeks the balance is there, so I'd say go for it.

-z
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