Comments on: Done Deal – All of Our Credit Card Debt Is At 0% http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/ Our Journey to a Debt-Free Life Sat, 21 Nov 2009 15:04:04 -0800 http://wordpress.org/?v=2.8.4 hourly 1 By: Karthik http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/comment-page-1/#comment-866674 Karthik Mon, 10 Aug 2009 18:30:46 +0000 http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/#comment-866674 Hi, it was a rather brave move. It is always easy to make one payment for all your debt. you don't forget to make it then. Be on the lookout for further 0% transfer deals as soon as your current 12 month period comes to an end. Just juggle that money around. Also, some companies give you a lower rate for longer terms, like i got an offer for 3.99% for 48 months on my balance transfer, which is sweet. Also, setup some automatic payments for minimum due, so you don't pay late and lose the introductory offer. Hi, it was a rather brave move. It is always easy to make one payment for all your debt. you don’t forget to make it then. Be on the lookout for further 0% transfer deals as soon as your current 12 month period comes to an end. Just juggle that money around. Also, some companies give you a lower rate for longer terms, like i got an offer for 3.99% for 48 months on my balance transfer, which is sweet. Also, setup some automatic payments for minimum due, so you don’t pay late and lose the introductory offer.

]]> By: oneadvice http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/comment-page-1/#comment-670916 oneadvice Fri, 13 Feb 2009 12:17:10 +0000 http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/#comment-670916 Yat... glad to hear your credit card debt is with a 0% deal. For those who can manage their finances, this can be a really good way to get your debts uncer control - without any of those nasty interest rates! Yat… glad to hear your credit card debt is with a 0% deal. For those who can manage their finances, this can be a really good way to get your debts uncer control – without any of those nasty interest rates!

]]> By: Credit Card Debt Update - $19,700 » Blogging Away Debt http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/comment-page-1/#comment-180435 Credit Card Debt Update - $19,700 » Blogging Away Debt Mon, 22 Oct 2007 02:13:37 +0000 http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/#comment-180435 [...] Barry Broome: I had 20,000 in credit card debt - have got it down to 7,000... [...] [...] Barry Broome: I had 20,000 in credit card debt – have got it down to 7,000… [...]

]]> By: Barry Broome http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/comment-page-1/#comment-179481 Barry Broome Sun, 21 Oct 2007 03:26:35 +0000 http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/#comment-179481 I had 20,000 in credit card debt - have got it down to 7,000 now. have closed the accounts. once paid off i don't plan an ever using one again. I had 20,000 in credit card debt – have got it down to 7,000 now. have closed the accounts. once paid off i don’t plan an ever using one again.

]]> By: Tricia http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/comment-page-1/#comment-171400 Tricia Sun, 14 Oct 2007 13:34:50 +0000 http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/#comment-171400 Hi Eric - I try not to explicitly say what cards I have. However, when I was shopping for a card, I used this bloggers handy list: http://www.bargaineering.com/articles/list-of-cards-with-0-balance-transfer-offers-for-12-months.html He keeps it updated regularly. Just as a sidenote, he does get a commission from those links. Hi Eric – I try not to explicitly say what cards I have. However, when I was shopping for a card, I used this bloggers handy list:

http://www.bargaineering.com/articles/list-of-cards-with-0-balance-transfer-offers-for-12-months.html

He keeps it updated regularly. Just as a sidenote, he does get a commission from those links.

]]> By: Eric Locksmith http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/comment-page-1/#comment-171077 Eric Locksmith Sun, 14 Oct 2007 04:43:37 +0000 http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/#comment-171077 You should share with us the name of the card that offered you the 0% for 12 months BT. I could use that right now, because I started my own business 20 months ago. At the same time I established my first credit card, and now my credit score is way low because I kept it maxed out with business purchases. Never delinquent or defaulted, just maintained above 75% of my credit line for 20 months and I'm labeled "High Risk" on Prosper. :( You should share with us the name of the card that offered you the 0% for 12 months BT. I could use that right now, because I started my own business 20 months ago. At the same time I established my first credit card, and now my credit score is way low because I kept it maxed out with business purchases. Never delinquent or defaulted, just maintained above 75% of my credit line for 20 months and I’m labeled “High Risk” on Prosper. :(

]]> By: carole http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/comment-page-1/#comment-167629 carole Wed, 10 Oct 2007 04:00:25 +0000 http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/#comment-167629 Oh wait, you just answered that question...good for you! Oh wait, you just answered that question…good for you!

]]> By: carole http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/comment-page-1/#comment-167628 carole Wed, 10 Oct 2007 03:58:45 +0000 http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/#comment-167628 Did you have to pay a 3% fee for the 0% balance transfer? Did you have to pay a 3% fee for the 0% balance transfer?

]]> By: JOhn BoB http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/comment-page-1/#comment-167393 JOhn BoB Tue, 09 Oct 2007 12:47:31 +0000 http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/#comment-167393 I'd rather owe a credit card than the IRS any day! I’d rather owe a credit card than the IRS any day!

]]> By: Mrs. Micah http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/comment-page-1/#comment-166852 Mrs. Micah Mon, 08 Oct 2007 19:02:14 +0000 http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/#comment-166852 Congrats! Dollar for dollar to reduce the debt! Sounds like you took the time to evaluate all the important questions. Great way to keep from getting hit with sucky rates/penalties/etc. I'm going to be posting tomorrow about some occasions when getting lower rates doesn't actually mean getting lower rates (i.e. CC companies trying to trap you). Congrats! Dollar for dollar to reduce the debt!

Sounds like you took the time to evaluate all the important questions. Great way to keep from getting hit with sucky rates/penalties/etc. I’m going to be posting tomorrow about some occasions when getting lower rates doesn’t actually mean getting lower rates (i.e. CC companies trying to trap you).

]]> By: Chris http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/comment-page-1/#comment-166803 Chris Mon, 08 Oct 2007 17:41:24 +0000 http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/#comment-166803 Congrats! That should speed things up! Congrats! That should speed things up!

]]> By: Jen http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/comment-page-1/#comment-166800 Jen Mon, 08 Oct 2007 17:40:13 +0000 http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/#comment-166800 Cool! Zero percent for a whole year! That should definitely help you knock more off your debt :) Cool! Zero percent for a whole year! That should definitely help you knock more off your debt :)

]]> By: JLP’s Weekly Roundup (Week of October 1, 2007)—� AllFinancialMatters http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/comment-page-1/#comment-166763 JLP’s Weekly Roundup (Week of October 1, 2007)—� AllFinancialMatters Mon, 08 Oct 2007 15:34:02 +0000 http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/#comment-166763 [...] announced that all her credit card debt is at 0%. - That’s awesome! Now each dollar she sends in goes directly towards reducing her debt. My [...] [...] announced that all her credit card debt is at 0%. – That’s awesome! Now each dollar she sends in goes directly towards reducing her debt. My [...]

]]> By: Heathrow http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/comment-page-1/#comment-166754 Heathrow Mon, 08 Oct 2007 15:26:18 +0000 http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/#comment-166754 Not me! I am stuck with my 13% at CITI! and my balance is 12,650... yep they make 150 dollars off me every month... Its my fault! I figured this way I will never do this again!! I want it to hurt me know... so I learn my lesson. Moving the balance around is just putting off the payoff!! Not me! I am stuck with my 13% at CITI! and my balance is 12,650… yep they make 150 dollars off me every month… Its my fault! I figured this way I will never do this again!! I want it to hurt me know… so I learn my lesson.

Moving the balance around is just putting off the payoff!!

]]> By: Credit Card http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/comment-page-1/#comment-166291 Credit Card Mon, 08 Oct 2007 10:53:53 +0000 http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/#comment-166291 Yes, It’s nice that all credits cards give us minimum percentage balance transfer fees. We have another sites to all about cards, credit card debt management program, managing credit card debts is possible. This program is comprised with various methods Yes, It’s nice that all credits cards give us minimum percentage balance transfer fees. We have another sites to all about cards, credit card debt management program, managing credit card debts is possible. This program is comprised with various methods

]]> By: paidtwice http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/comment-page-1/#comment-165304 paidtwice Mon, 08 Oct 2007 01:09:03 +0000 http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/#comment-165304 Congratulations! It is a good feeling to have it all at 0% isn't it! Here's to both of us never having to pay any more interest :) Congratulations! It is a good feeling to have it all at 0% isn’t it!

Here’s to both of us never having to pay any more interest :)

]]> By: Cynthia http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/comment-page-1/#comment-165228 Cynthia Sun, 07 Oct 2007 23:59:39 +0000 http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/#comment-165228 Sounds like it was a good deal for you at a time when you could use it and that's what matters. I think sometimes these decisions seem so hard to make even when the numbers all say go for it, part emotion, part logic. Congrats on going for it! Sounds like it was a good deal for you at a time when you could use it and that’s what matters. I think sometimes these decisions seem so hard to make even when the numbers all say go for it, part emotion, part logic. Congrats on going for it!

]]> By: mapgirl http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/comment-page-1/#comment-164878 mapgirl Sun, 07 Oct 2007 20:03:54 +0000 http://www.bloggingawaydebt.com/2007/10/done-deal-all-of-our-credit-card-debt-is-at-0/#comment-164878 That is awesome! I would love to BT all my credit cards down to 0% again. I'm really glad to hear that you are paying off the Prosper loan.(see the next post) That is way cool. I'm still dipping only my toes into the water right now, and I think I'm lucky to have no defaulted loans. I wish I had bid on your loan when it was available, but I still still skeptical of it. That is awesome! I would love to BT all my credit cards down to 0% again. I’m really glad to hear that you are paying off the Prosper loan.(see the next post) That is way cool. I’m still dipping only my toes into the water right now, and I think I’m lucky to have no defaulted loans. I wish I had bid on your loan when it was available, but I still still skeptical of it.

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