Originally Posted by
jan_believes
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In round numbers, let's say it's $3500 at maturity this summer. Goes to 19% thereafter.
Having no access to a long term 0%, 3% fee at the moment, how does this shape up with 4% APR for 24 months vs a 0% (with fee) for 12 months if I find such an offer? Or does this require a specific payment amount every month to know for sure?
How can you not find a single card with 0% on purchases? I am still convinced that the way to do your BT is by buying VRs or GC with a new card and paying off the old one. Especially with a manageable number like 3500. It could be opened by either you or SO.
Of course with a number that small you could easily bounce the debt back and forth between two points/cashback cards that have closing dates about two weeks apart, using two BBs. Not that I recommend doing so for any long period of time.