In the old days Bush post 9/11 it was like 1 or 2 years 0% for 3% fee capped at $50 - 75

Now if I get an offer it's 5% for 8 months Sept 2023


I've been more aggressive, like if 0 or 1.99% end in March 2023 I'll transfer it out in Dec 2022 bc I'm afraid the offer will be gone if Bank lending freezes. like a liquidity crash

Like wow

I just did $13k for 0-% for 21 months at 3% upfront fee….

https://www.nerdwallet.com/reviews/credit-cards/citi-simplicity

Do it, buy ibonds. Infinite money.

my Citi AA gold has a good offer May 2024 1.99% 0% fees wow
I can't tell if we're in a liquidity floodzone right now instead of a freeze like in 2009

If you don't carry credit card debt you don't have to worry about any of this.

Manhattan said:

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I just did $13k for 0-% for 21 months at 3% upfront fee….

https://www.nerdwallet.com/reviews/credit-cards/citi-simplicity

Do it, buy ibonds. Infinite money.

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https://www.reddit.com/r/FinancialPlanning/comments/1079x0y/13000_in_credit_card_debt_and_looking_for_the/

Diet Cokehead said:

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If you don't carry credit card debt you don't have to worry about any of this.

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Right... lolpoors that don't carry briefcases full of cash around are total losers

Or just live within your means and pay off your balance every month.

**** happens sometimes, and unexpected expenses may come up to make one of these balance transfers necessary to limit interest exposure, but it should be rare. A younger me used these balance transfers a few times to move debt around and pay it off, but I've learned over time to live within my means and pay off my balance every month.

Was a joke obviously. Life happens and credit cards are needed