That's a lot of free trips! Unfortunately I rarely fly Southwest but interested in knowing if the 0% APR card was the Southwest card or another card you transferred to/from? Thanks!
It was a BoA card, nothing special just one of their no fee, 0% balance transfer cards. I believe it was 0% for purchases and transfers for 20 months? Forget exactly how long (paid it off already).
I do have Chase Freedom Unlimited, so I will give them a call to see what they can offer me as I have a fairly high credit limit on that card and I worry any new card I open may not have a high initial credit limit for a big ticket item like DVC purchase. Do you know of any 0% balance transfer card/promo? I googled and most have between 3%-5% balance transfer fee. According to one of the credit card review websites, the Union Platinum card used to have $0 balance transfer fee with 0% APR for 18 months but that's no longer the case and it seemed they are no longer open to new applications.
I thought Disney would at most split the purchase across 3 credit cards? Would definitely love to learn about the other 5 cards you opened...or were they all Chase Ink Unlimited cards and the points earned were through cross referrals?
Perfect! Looks like Chase is the way to go.
I am not aware of any cc with 0% balance transfer fees at the moment. You are correct that most are 3-4% balance transfer fee. What I meant with my post was 0%apr for the transfer from 12-18 months (depending on card) but you would still incur the balance transfer fee. Sorry for the confusion.
24 months is awesome! I thought max was 18months. Do you know if the 24 months gets trigerred by a certain amount? I only started seriously looking at my chase plan while planning our upcoming purchase. Ive only seen up to 18 months on mine but it was for a 1k charge only ( havent had a one time charge higher than that recently)
Yup… and from what i understand if you split 30/60/90 days each charge carries its own 6 months zero interest.
BofA has a credit card with 0% APR and $0 fee for balance transfers within the first 60 days for 21 months.
I did CSR for my VDH purchase and can confirm the purchase qualifies for 24 months. You only get your first plan to be fee free though so since I split my contract into 100/50, I went ahead and put my 50 on Disney cc to get the 6 months there.
I haven’t gotten my first bill yet but from my understanding I’ll pay the monthly owe for the DVC + what is labeled as the interest free balance each month (remainder of your transactions that we normally pay off monthly). Normally I avoid using the card that’s carrying a long term balance but the CSR is great for travel and dining so I’ve continued to use it. I hope it’ll be pretty straight forward.
They were all Ink Unlimited. We are three couples (Mom/Dad, brothers and spouses), so we each opened one through cross referrals. No issue with number of cards - guide never mentioned a limit or gave any pushback when we asked if we could do it.
Thanks! Did not know this.
Yeah…if you do the my chase plan, your monthly statement would give you the option for interest saving balance. So this will be the purchase amount you put in the plan divided by how many months the plan is. Then they add all of the other charges you put in your credit card for the month. As long ss you pay at least that amount stated in the interest saving balance then you wont incur any interest.
If you don’t mind sharing, I completely understand if you don’t want to.
