Avail some of the best 0% APR on balance transfer deals in November

Wednesday, November 24th, 2010

The deals offered in the month of November have been the best since the beginning of the credit crunch. This is the longest 0% APR deal on balance transfers which is for a 21-month period. While other card companies are offering 0% APR for a period of only 15 to 18 months, this is by far the best deal in the last six years. With the offer length of 21 months and 0% APR on balance offers Citibank has come out with the best offers for the month of November with both the cards that is the Citi Diamond Preferred as well as the Citi Platinum Select. The balance transfer fee is low at just 3% when compared to other cards surveyed where the fee is half a percent more.

The Discover More Card would be a better offer for those who wish to transfer card debt (from Citibank credit card) and for those who wish to keep the card for a longer term. Discover More Card comes with 0% interest rate for a period of 18 months (on balance transfers) but it charges a higher fee on balance transfer at 5%. But Discover has always managed to rank second as per the J.D. Power’s survey but is more likely to provide better experiences for users.

Despite these incredible offers from Citibank as well as Discover, the balance transfer market have not yet opened up completely as the averages show figures that are on the contrary. Most companies on an average provide balance transfer period of about 9.8 months and there is an average increase in fee. This is an indicator that these offers might be just for a short period and would be withdrawn at any point in time.

Cap0ne’s Platinum Prestige as well as Platinum cards are offering 0% rates for a period of around 12 months and the balance transfer fee charged is at 3%. Both the offers are longer and they come with transfer fees that are much lower than what is being offered by most banks.

Some of the online offers made by banks such as the Bank of America are the least attractive with about 6-month periods and 4% fees on balance transfers etc. The same is the case with US Bank.

The balance transfer offers by Chase might vary from time to time and the offers are limited as well. But these deals could be withdrawn early next year after the end of the holiday season.

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