0% BT from Chase!!!!!

I got this offer 0% BT frfom Chase two weeks ago and I don't know it is a good offers. Here is the terms:-

Visa Platinum and Visa accounts have 0.00% fixed APR for twelve months on balnce transfers from the timean account is opened as long as your account remains in good standing. For all purchases from account opening, and for both outstanding and new balance transfers after 12 months,the variable Preferred Pricing APR for Visa Platinum accounts is 10.99%(for Visa Classic 14.99%). The variable Preferred Pricing Cash APR is 19.99% and the variable Non-Preferred Pricing APR is 22.99%.These rates will never less than 23.99% APR and 24.99% APR respectively.

For all accounts: Transaction fee for Cash advances ($5 minimum). Transaction fee for Purchases: forForeign Currency Transactions, 2% of the converted transaction amount. Transaction fee for Balance Transfer :3%,$45 maximum per transaction for Balance Transfers made during the introductory period for Visa Platinum and Visa Classic accounts. Thereafter,$50 per transaction unless otherwise disclosed to you in writing. Minimum Finance Charge:$.50.Other fees may apply.Accounts subject to credit approval. This offer will expire May 8,2002.

They give me the invitation number and the link to apply for the card.
Here is the link:

http://www.mychaseplatinum.com

Ron.

 

George,

I heard a lot of horrible stories about Chase from the interenet and do they have a good customer service and on-line payment. How do they compared to Citibank or First USA or other cards that you have? I bought a computer recently by using my Apple Instant Loan with the APR 10.99% fixed. We all knew no iknterest better than 10.99% APR. Did they jack up the rate in the middle of the terms? Thanks for your reply.


Ron.

 

George,

Thanks for your reply. First USA didn't jack up my rate and they lower my Yahoo! Visa to 10.99% var and Smart Visa to 11.99% because of my perfect payment history. Did Chase has any on-line payment like Citi,First USA ? How's their customer service? Personally I like BofA ,Citibank customer service and they are one of the best.


Ron.

 

George,

Thanks for your reply. It sounds like a good deal. They charged me 3% of bt. fee and the max is $45. I have a balance of 3000 to transfer and $2000 oweing MBNA and another $700 owing to Citibank USA. One more question to ask: Did they delay to post payment like some banks? How's their customer service? Idon't have any Chase bank accounts and can I make payments from other bank accounts? Thanks again.



Ron.

 

George,

Thanks for your reply. I may apply for the card before May 8. Apple Instant Loan charged me interest every single day on the $2000 balance and $700 on Citibank USA at 0% for six months. I think they have instant approval on that offer and I knew pre-select offers means nothing. They have to pull credit report to give you credit.

Ron.

 

Rina,

Some banks take up to 3 days to post your payments like AT&T Universal Cards, Fleet Bank and some banks like BofA,Discover Card, Citibank USA posted your payments on the next business day. It depends on their own policy. Usually I don't use the card until they post my payments.



Ron.