No. of Recommendations: 0
I did recently get an offer from BOA for 12 months, 0%, no balance transfer fee. I have until next week to take advantage of it, so I'm still kinda mulling it over. With my luck they'll give me some dinky credit limit that I won't be able to do anything with!


That's what happened to me---twice! The credit limits were so dinky it's not worth the trouble for me to do anything with them---and the last thing I want is to have payments spread out across several credit cards. I like only having to worry about two payments---and one of them is 0%; the other is 2.9% "for life" on part of the balance, but a whopping 16% on the rest of the balance. But, even if I transfer any of this balance to the two dinky little cards for 0%----Citi is going to transfer the balance that is at 2.9%---not the 16% balance; so it isn't going to be worth my trouble in the long-run. I am just going to keep going with what I am doing and focus on paying off the higher-rate card as fast as I can (which will take a while).

Jen
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