FINALLY! I’m doing it today!
I’ve just transferred $4000 on the Citicard to the Chase card, and I’m about to pay the balance of $3909.19 from my checking account.
I printed out the statement and noticed the APR has gone down to 12.99%. It kind of freaked me out to see that it had dropped. The interest was lower for the month as a result. $87.84.
As I was going through the balance transfer process at Citicard, the instructions said I could transfer money to four different institutions. So if anyone else is using this card, you will probably have the same option. I initially thought I’d only be able to use the zero transfer balance fee for only the first transfer. It really doesn’t matter at this point, as they only gave me $4000 and the amounts I wanted to transfer were larger.
Okay, I just hit “Make Payment” at Chase, to have the money transferred from my checking account to the credit card.
Here are the posts documenting this process:
- I didn’t quite make my goal to have the balance transferred – I set a goal for myself on January 16th to move the money over within 30 days.
- I mulled over the process here: Transferring credit balances to that 0% Credit Card.
- I finally applied for the card here: I Finally Did It! — 0% Interest