BT's AVAILABLE ON-LINE 1) 6.99% TILL JULY 1, 2004 2) 8.99% TILL JULY 1, 2004** 3) 6.90% TILL JUNE 1, 2004 BUT I HAVE 4.90% TILL PAID... SO I MUST CALL TO GET IT!!! **I REALLY WANTED THIS ONE...NOT!!! 2.00% HIGHER THAN OFFER #1 FOR THE SAME TIME!!!
HEY GEORGE, THIS IS WHAT THEY GIVE ME AND I DON'T SEE THE LOGIC HERE EITHER...TOO MANY OFFERS...AND I AM NOT TAKING ANY OF THESE...I DON'T TRUST THEM ANY MORE SINCE THEY JACKED MY PURCHASE RATE TO 9.99% Save Money with Online Balance Transfers Amount available for transfers: $25,000.00 Your account is eligible for the following money saving offer(s). FAQs Offer 1 Save with a low rate of 6.99% APR. You have until Nov 21, 2003 to accept this offer. You will save with this low APR through Oct 1, 2004. Terms & Conditions Offer 2 Save with a low rate of 8.99% APR. You have until Nov 21, 2003 to accept this offer. You will save with this low APR through Oct 1, 2004. Terms & Conditions Offer 3 Transfer balances at your low variable rate, 4.00% APR*. You still have time to save! Enjoy this special low rate on your transferred balances until they are paid in full. * The 4.00% variable APR is based on the U.S. Prime Rate plus 0.0%. The U.S. Prime Rate in effect Aug 1, 2003 is 4.00%. Terms & Conditions Citi.com Citigroup Privacy Promise Terms, conditions, caveats and small print Copyright © 2003, Citicorp
I don't get the strategy either. I get Bt checks every month from both Discover and Citibank and the offers overlap. Citibank 3.99% until Nov 21, 2003 until paid in full 3.90% until Sep 26, 2003 until paid in full 5.90% until Sep 26, 2003 until paid in full I guess they figure that I'll forget about the 3.90% and take them up on the newer 3.99%.
Great BT rates if I had anything to transfer. Yet they still increased my purchase rate to prime + 10.99% (14.99%). I don't get it. I guess they figure that they haven't made money off me in years so why fight to keep me.
THEIR ANSWERS... Citibank: As the 4.90% rate will be expiring in October 2003, you will need to contact us directly if you want to process additional transfers under this rate. Please contact us at 1-800-950-5114. We are available 24 hours a day, 7 days a week. Outside the U.S., call collect at 605-335-2222. Our Marketing Department may send out multiple offers at one time. Please use the rate that best suits your needs.
They are right, you should take the offer that is best for you. I just took the 3.9% till paid, and paid them off on a 6.9 till 6/04. Citi is not the only bank that does not have software to stop them from making offers that will save you money. You have to be on the lookout for these offers. You can make money with your credit. I do. www.creditsense.com
I had a similar situation that I think I posted several weeks ago. BT offers online, for the same period of time, at different rates. Who in their right mind would go for the higher rate? (I guess they hope some people are not in their right mind?)
"IF" the 2.00% higher rate was for 6 months longer...I "MIGHT" take it... BUT IT WAS FOR THE SAME AMOUNT OF TIME!!!
They offered me: 5.9% till Sept. 21, 2003 and 8.99% till sept 21, 2003 This is ontop of the 3.9% til paid for which I still have until next year.
