Last updated: November 30, 2008.
Capital One® offers a number of credit cards with no balance transfer fees. For this reason, if you are looking to consolidate your credit card debt onto one cars which you don’t plan on using for purchases, you may want to take a look at these offers. Please be aware that these cards do charge interest on balance transfers, and there is no “grace period” as would usually apply to purchases. That means you’ll be charged interest starting with the day you transfer your balance.
You should only transfer a balance to a credit card if the terms, including APR and transfer fee, are better than what you’re currently being charged. Don’t consolidate just for a lower monthly payment.
Here are the Capital One® credit cards that offer no balance transfer fees.
No Hassle MilesSM Rewards – Excellent Credit
No Hassle CashSM Rewards – Good Credit
No Hassle MilesSM Rewards – Good Credit
Standard Platinum
No Hassle CashSM Rewards
Credit cards are like buzz saws. They are useful tools but dangerous if in the hands of someone who doesn’t use them properly. The rates offered on these balance transfers are not the best in the industry, but the lack of a balance transfer fee sets these cards apart. In today’s environment, many other credit card companies are charging fees of 3% and eliminating upper limits on these fees.
{ 8 comments }
Commenters who left their opinions below the Money Magazine article are divided. Some have very strong opinions in favor of not telling the boyfriend until the last possible minute. Some think they should discuss money as soon as they decide that the relationship is “serious.” But what is “serious?”
In the arts, I was a teacher and a leader. I earned the respect of my peers by being very good at what I did. I even taught others how to be leaders. I was a great motivator. Of course! Music is something that is exciting, invigorating, and essential for the soul. The arts are necessary for modern culture. In my current career choice, being a leader is a joke. It’s a world of middle-managers and meaningless tasks. Why should I get excited about any activity that is not directly changing the world for the better in a way that satisfies the ideals that are important to me? Sure, it’s important to someone that I make sure that one department of our company pays back another department of our company for whatever expense they happened to incur. But how is that changing the world, how is this meaningful or satisfying?
Where Did You Come From, Where Did You Go (April 2008)
This article was written by Luke Landes in Administration. 3 comments.
It’s time to thank other websites that sent traffic to Consumerism Commentary during the month of April. It was a great month in terms of traffic, driven mainly by articles about the economic stimulus payment. Here is a list of websites, excluding search engines, RSS readers, and social media websites, that sent the most traffic to Consumerism Commentary over the past month. I’ve also included a number to show each site’s movement on the list since March.
Here are the top 10 visited articles from the top month, based on visits to the web site. Readers who view articles in their RSS software but don’t visit the website directly are not included when calculating this list. Once again, the Economic Stimulus Tax Payment Calculator was my far the most visited page, but it’s not included below because that article was posted initially in January.
{ 3 comments }