THIS WAS SO HELPFULLLL and thank you so much NerdWallet!!
@tjmixmasta
3 ай бұрын
Very helpful breakdown, thank you!
@Grace_Garden22
2 ай бұрын
So helpful thanks!
@marcelinkouassi6424
6 ай бұрын
I was told by BoFA that only my minimum payment would go towards my balance transfer amount. And I have 12 months to pay $2400. How to handle this?
@superjeffstanton
4 ай бұрын
Pay it.
@manickavelganesan6576
Ай бұрын
Can I transfer multiple cards balance to the new Offer to a one card? Say I have 3 cards have a balances and want to transfer to a new Promotional offer to a one card. Is that possible? Please let me know
@SuperDavidBrothers
7 ай бұрын
I've never even heard of a Balance Transfer Credit Card but I don't think I will get one because I want to just use my Credit Card that I have instead and try to use it carefully and not just spend it like crazy instead of getting another card and having to pay more debt on top of that.
@hamcse924
2 ай бұрын
It doesn't matter how responsible you are with your credit cards and bills - inevitably, everyone faces a crisis. For example, if you suddenly need to pay $6,000 due to an emergency situation, most people will need to use a credit card as they don't have the cash. A balance transfer allows you to move that $6k to a card with 0% interest and 12 - 18 months to pay it off. It's a no brainer, because paying 30% on a $6k credit card balance is a BAD IDEA.
@SuperDavidBrothers
2 ай бұрын
@@hamcse924 oh, well thanks I didn't even know that man I definitely appreciate the tip for sure thanks!!
@SuperDavidBrothers
2 ай бұрын
@@hamcse924 oh I didn't know that okay. So are you saying a balance transfer is a bad idea too? I didn't grow up using a balance transfer because I'm only 25 years old and I only use a debit or credit card as well as PayPal, cash, and checks to pay with stuff and not a balance transfer and those are smarter to use while making purchases instead of balance transfers then correct?
@hamcse924
Ай бұрын
@@SuperDavidBrothers You are correct. I've only used a balance transfer when I've had emergency situations. Keep in mind, there is a 3 - 5% transfer fee, so you WILL pay $30 - $50 per every $1000 you transfer, but that's still WAY BETTER than a 30% or higher annual interest rate. There was a time maybe 20 plus years ago when some banks did not charge transfer fees but those days are long gone. Also, if you do not pay back the balance of a transfer in X months - usually 12 - 18 months depending on the bank - you WILL have to pay interest from day 1 of the transfer!
@SuperDavidBrothers
Ай бұрын
@@hamcse924 omg yeah I do not want to get financially in debt like that man I'll just stick to the payment options I just said. I do have a question though, how do I gain money on my credit card for me to use to pay off my credit card payments?? Does the bank put money into my credit card automatically or can I transfer money into my credit card like I would my debit card (like from one account to another account)??
@Alex-dn5hi
Ай бұрын
Holy ish, a vocal fry with a twist, literally. I can't make it through the entire video.
@oscarcalles4117
Ай бұрын
I’m sure she’s such a nice woman. But ohhhhhhh my godddddUmmmm.
@bdboolado
Ай бұрын
jfc speak normal MMMMMMM
@superjeffstanton
4 ай бұрын
Voice is no.
@mjbond7159
Ай бұрын
Grow up.
@ChristienneBurrell
9 күн бұрын
LMAO, yea I kno
@johnregan1843
4 ай бұрын
👍
@precisionelectrolysis9308
4 ай бұрын
horrible vocal fry. what is that at the end of every sentence?
@superjeffstanton
4 ай бұрын
That's your childrens futures, paid for by your yt views😂
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