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Reply to "Should I transfer my credit card Balance?"
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[quote=Anonymous][quote=Anonymous]OP here - I got VISA down to 3%. I wish I had read before and asked for 2%. [/quote] I wouldn't worry too much about it. While 2% is better, 3% is fair (and normal), 4% is a bit of a rip-off. Now you're only going to pay 480 bal transfer fee. So now your balance is $16,500 (rounding up for easy math). Lets assume you make $600/month payments: 600*18 = $10,800 16500-10800=5700 left when it expires. If you want to pay it off at expiration: $16,500/18=$917/month or roughly 50% more. If you can swing 917/month, without question that is the way to go. If you cannot afford 917 then you can do another balance transfer in 18 months.[/quote]
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