# Hey people with non-0% CC debt
**URL:** https://forums.speedlife.net/t/hey-people-with-non-0-cc-debt/22288
**Category:** NYSpeed Off Topic
**Created:** [December 29, 2006, 11:02am UTC](https://forums.speedlife.net/t/hey-people-with-non-0-cc-debt/22288 "2006-12-29T11:02:24Z")
**Posts on this page:** 20
**Page:** 1
### Author:  [@JoesTypeS](https://forums.speedlife.net/u/JoesTypeS)
#### Post date: [December 29, 2006, 11:02am UTC](https://forums.speedlife.net/t/hey-people-with-non-0-cc-debt/22288/1 "2006-12-29T11:02:24Z")
Citibank has 0% for **LIFE** on balance transfers
[www.apply.citicards.com](http://www.apply.citicards.com)
offer code F1K7
Balance transfer APR: 0.00% until 05/01/2007. After that, **0.00% on such transferred balances until those balances are paid in full** as long as 2 purchase transactions, net of return transactions, are posted to your account during each billing period beginning on or after 05/01/2007.
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### Author:  [@chino](https://forums.speedlife.net/u/chino)
#### Post date: [December 29, 2006, 11:03am UTC](https://forums.speedlife.net/t/hey-people-with-non-0-cc-debt/22288/2 "2006-12-29T11:03:01Z")
nice :tup:
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### Author:  [@Bacon](https://forums.speedlife.net/u/Bacon)
#### Post date: [December 29, 2006, 11:06am UTC](https://forums.speedlife.net/t/hey-people-with-non-0-cc-debt/22288/3 "2006-12-29T11:06:30Z")
Very nice, that would be quite helpful.
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### Author:  [@Coldaccord](https://forums.speedlife.net/u/Coldaccord)
#### Post date: [December 29, 2006, 11:07am UTC](https://forums.speedlife.net/t/hey-people-with-non-0-cc-debt/22288/4 "2006-12-29T11:07:50Z")
explain that last part?
i have a few g’s cc debt, and have the cash to pay it off whenever, but i make way more money buying and parting/selling bikes and cars than my 11% interest rate so I wasn’t gonna pay it off until I apply for a mortgage. until then I just make my regular payments
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### Author:  [@LAFENGAS](https://forums.speedlife.net/u/LAFENGAS)
#### Post date: [December 29, 2006, 11:08am UTC](https://forums.speedlife.net/t/hey-people-with-non-0-cc-debt/22288/5 "2006-12-29T11:08:14Z")
deal is almost good enough to make want credit card debt.
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### Author:  [@j\_espo1](https://forums.speedlife.net/u/j_espo1)
#### Post date: [December 29, 2006, 11:08am UTC](https://forums.speedlife.net/t/hey-people-with-non-0-cc-debt/22288/6 "2006-12-29T11:08:23Z")
AccountOnline Temporarily Unavailable.
For immediate assistance with an existing account, call the number on the back of your card or come back later. If you want to apply for a card, please try again later.
We apologize for any inconvenience and thank you for your patience.
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### Author:  [@vq30de](https://forums.speedlife.net/u/vq30de)
#### Post date: [December 29, 2006, 11:13am UTC](https://forums.speedlife.net/t/hey-people-with-non-0-cc-debt/22288/7 "2006-12-29T11:13:02Z")
Kinda makes me want a credit card.
Blows I have no credit, but rocks that i have no debt
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### Author:  [@87FOXGT](https://forums.speedlife.net/u/87FOXGT)
#### Post date: [December 29, 2006, 11:30am UTC](https://forums.speedlife.net/t/hey-people-with-non-0-cc-debt/22288/8 "2006-12-29T11:30:11Z")
> [@LAFENGAS](#):
>
> deal is almost good enough to make want credit card debt.
I agree with this sexy fella :word:
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### Author:  [@drvnkd](https://forums.speedlife.net/u/drvnkd)
#### Post date: [December 29, 2006, 11:37am UTC](https://forums.speedlife.net/t/hey-people-with-non-0-cc-debt/22288/9 "2006-12-29T11:37:10Z")
i doubt i would get a card with a credit line capable of dealing with the debt ☹
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### Author:  [@sureshot007](https://forums.speedlife.net/u/sureshot007)
#### Post date: [December 29, 2006, 11:50am UTC](https://forums.speedlife.net/t/hey-people-with-non-0-cc-debt/22288/10 "2006-12-29T11:50:47Z")
They approved me - so anything’s possible…
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### Author:  [@jeeves744](https://forums.speedlife.net/u/jeeves744)
#### Post date: [December 29, 2006, 11:58am UTC](https://forums.speedlife.net/t/hey-people-with-non-0-cc-debt/22288/11 "2006-12-29T11:58:59Z")
> [@JoesTypeS](#):
>
> After that, **0.00% on such transferred balances until those balances are paid in full** as long as 2 purchase transactions, net of return transactions, are posted to your account during each billing period beginning on or after 05/01/2007.
Can someone explain that part?
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### Author:  [@drvnkd](https://forums.speedlife.net/u/drvnkd)
#### Post date: [December 29, 2006, 12:02pm UTC](https://forums.speedlife.net/t/hey-people-with-non-0-cc-debt/22288/12 "2006-12-29T12:02:47Z")
you charge twice a month and your balance transfer remains @0%
14.7 APR for those charges should you not pay them.
i’m sure i would get approved, but i doubt it would be for enough to
consolidate more than one card.
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### Author:  [@jeeves744](https://forums.speedlife.net/u/jeeves744)
#### Post date: [December 29, 2006, 12:06pm UTC](https://forums.speedlife.net/t/hey-people-with-non-0-cc-debt/22288/13 "2006-12-29T12:06:03Z")
You guys know that you pay off the lowest interest rate first, then the higher one, right? So those twice a month charges you make at 14.7% will sit on your card until you pay off the 0% debt first.
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### Author:  [@misteroman](https://forums.speedlife.net/u/misteroman)
#### Post date: [December 29, 2006, 12:10pm UTC](https://forums.speedlife.net/t/hey-people-with-non-0-cc-debt/22288/14 "2006-12-29T12:10:45Z")
OMG if this works Joe I will love u long time.I was going to put some of my pizzeria on a CC then find a 0% transfer for 6 mos or so.I have until may1/07 to do this correct?
D
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### Author:  [@misteroman](https://forums.speedlife.net/u/misteroman)
#### Post date: [December 29, 2006, 12:13pm UTC](https://forums.speedlife.net/t/hey-people-with-non-0-cc-debt/22288/15 "2006-12-29T12:13:03Z")
> [@jeeves744](#):
>
> You guys know that you pay off the lowest interest rate first, then the higher one, right? So those twice a month charges you make at 14.7% will sit on your card until you pay off the 0% debt first.
Is that true?If so you could just charge a few small items,$20 or so and leave them on there for the 14% as it would only mean a few bux extra vs the huge 20K transfer.
D
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### Author:  [@jeeves744](https://forums.speedlife.net/u/jeeves744)
#### Post date: [December 29, 2006, 12:17pm UTC](https://forums.speedlife.net/t/hey-people-with-non-0-cc-debt/22288/16 "2006-12-29T12:17:50Z")
> [@misteroman$$$](#):
>
> Is that true?If so you could just charge a few small items,$20 or so and leave them on there for the 14% as it would only mean a few bux extra vs the huge 20K transfer.
> D
Yes it is true.
this is one of those things where you have to figure out if the balance you transfer to 0% APR would save you more money then the amount you will end up paying in interest at 14%. Also if there is a minimum amount of $$$ you actually have to charge each month. Because if there isnt, then i would just put like $0.25 worth of gas in my car twice a month using the CC.
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### Author:  [@oldford](https://forums.speedlife.net/u/oldford)
#### Post date: [December 29, 2006, 12:21pm UTC](https://forums.speedlife.net/t/hey-people-with-non-0-cc-debt/22288/17 "2006-12-29T12:21:50Z")
DONT DO IT!!
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### Author:  [@Inn-Tune](https://forums.speedlife.net/u/Inn-Tune)
#### Post date: [December 29, 2006, 12:36pm UTC](https://forums.speedlife.net/t/hey-people-with-non-0-cc-debt/22288/18 "2006-12-29T12:36:06Z")
the domain is [www.accountonline.com](http://www.accountonline.com)
Domain Name: [ACCOUNTONLINE.COM](http://ACCOUNTONLINE.COM)
Registrar: TUCOWS INC.
Whois Server: [whois.opensrs.net](http://whois.opensrs.net)
Referral URL: [http://domainhelp.tucows.com](http://domainhelp.tucows.com)
Name Server: [NS1.NSROOT1.COM](http://NS1.NSROOT1.COM)
Name Server: [NS2.NSROOT2.COM](http://NS2.NSROOT2.COM)
Status: clientDeleteProhibited
Status: clientTransferProhibited
Status: clientUpdateProhibited
Updated Date: 28-dec-2006
Creation Date: 28-jan-1998
Expiration Date: 27-jan-2008
is it legit?
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### Author:  [@Twizted](https://forums.speedlife.net/u/Twizted)
#### Post date: [December 29, 2006, 12:40pm UTC](https://forums.speedlife.net/t/hey-people-with-non-0-cc-debt/22288/19 "2006-12-29T12:40:40Z")
good find there mike
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### Author:  [@JustinH](https://forums.speedlife.net/u/JustinH)
#### Post date: [December 29, 2006, 12:55pm UTC](https://forums.speedlife.net/t/hey-people-with-non-0-cc-debt/22288/20 "2006-12-29T12:55:47Z")
[accountonline.com](http://accountonline.com) is the citi website.
I have them, thats it.
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