Hi folks been a little busy, but I had to inform the board about State Farm's fake bt offers. Back in December quite a few of us on the board opened State Farm accounts. I remember that several people received bt offers. Well, I finally decided to use my BT rate of 3.9%, guess what they are now telling me I don't have any such offers and that my bt rate is the purchase rate of 11+ %. I was angry to say the least, because I remember talking to two other reps around that time they both indicated to me I had the bt rate. I am furious at this deception, I am planning on writing their President's office for their banking division and express my disgust with their company's trickery or misrepresentation. If you have managed to get a BT offer from state farm, please let me know.
one more thing they are go to pretend you never spoke to the credit department either. Denial! Denial! Denial!
I did mine three weeks ago using their online form after I spoke to a telephone rep who told me about the 3.9% offer. All of the BTs have already executed. I just called a minute ago to verify they are at 3.9% and was told they were.
Cypri, This is another lesson for us all. Always get whatever the reps tell you in writing. Also, all of the recent BT offers I've gotten recently have fine print which says "subject to approval" so you can't count on them going thru anyway. As with the process of accounts having rates "jacked up" for random reasons, not everyone is going to get the BT. Beware of this, creditnetters, and don't count your chickens until they hatch. Just because you fill out one of those BT checks from your cc account doesn't mean they are going to honor it so keep a watch on the account you intended to pay off with it and keep sending the minimum payments until you are sure. Juniper used their "subject to approval" to pull a HARD inquiry on me when I did a BT. I did get approved for it and the check went thru but I didn't like the inquiry. After I complained, they willingly had the inquiry removed from EQ.
Sign on, go to "Bank Service Center" (the link is on the top towards the right) and fill out the Balance Transfer Request form under Credit Card Requests.
Ok I tried to sign up for online access and they ask to pull your credit report to verfy identity. This is strange to me. I will not allow them to pull my credit just to have online access and if that is the only way to get a bt offer, then no thank you! How did you manage to ge th BT offer George?
I was concerned they would pull a credit report for online access when I filled out the thing so I called them first. They pull a soft "ID only" inquiry. Mine was on Equifax. It was indeed soft. No need to worry.
THEY DON'T TRUST YOU ENOUGH TO GIVE YOU ON-LINE ACCESS WITH-OUT AN INQUIRY??? THEN WHY DID THEY GIVE YOU THE CARD???
It's your decision. I like online access and since the soft inquiry didn't hurt anything and they have the right to pull fifteen or twenty of them every day anyway since I have their card I thought it was a good trade.
OK...maybe I'll do it... Still want to know----->WHAT PERMISSABLE PURPOSE??? I DON'T THINK ANYBODY ELSE DOES THIS!!!
I think their online system uses the same process for ID for credit card access as they do for insurance policy access or bank/mutual fund access. Some of their other products you could access with the online system did not pull an up-front inquiry. That they have a way to verify ID before allowing online access to all of these products is a good thing in my opinion. Now if it were a hard inquriy... that would be another story.
I saw all the QUESTIONS...6 questions on "pull-downs" on TOP of all the other questions...IT'S NOT WORTH IT...
