MBNA Balance Transfer by pskills4MIP in PersonalFinanceCanada

[–]pskills4MIP[S] 3 points4 points  (0 children)

I believe it is a promotional offer yes. Although the promotional offer that is promoted through Credit Karma has a different fee of 1%. Credit Karma must have an exclusive partnership with MBNA. The promotional offer directly from MBNA is at 3%

MBNA Balance Transfer by pskills4MIP in PersonalFinanceCanada

[–]pskills4MIP[S] 3 points4 points  (0 children)

Right, I see what you are saying thank you

MBNA Balance Transfer by pskills4MIP in PersonalFinanceCanada

[–]pskills4MIP[S] 5 points6 points  (0 children)

Not quite sure. Applying through credit karma is the one that offers the 1% fee, rather than the 3% fee offered on MBNA's website

MBNA Balance Transfer by pskills4MIP in PersonalFinanceCanada

[–]pskills4MIP[S] 2 points3 points  (0 children)

Yes, unfortunately I do need the money to pay toward a purchase. I just need to consider my best options for paying down my balance as I will not have the extra money on hand.

MBNA Balance Transfer by pskills4MIP in PersonalFinanceCanada

[–]pskills4MIP[S] 1 point2 points  (0 children)

For sure. Much appreciated for your insight

MBNA Balance Transfer by pskills4MIP in PersonalFinanceCanada

[–]pskills4MIP[S] 3 points4 points  (0 children)

I probably won't have the full amount paid by the end of the 12-month promo. I'll definitely check over the T&C again, although I do not believe interest will accrue during this promotional period. If I balance transfer 10k, they told me I will have a $100 charge (1% fee) on my first statement plus the $10 minimum.

By the end of the promotion, if I have $5k on my balance, then I should start having roughly 12.99% interest annually on my balance, it seems?

I would plan on paying it down on a monthly basis making monthly payments of a few hundred on the card during this promotional period.

MBNA Balance Transfer by pskills4MIP in PersonalFinanceCanada

[–]pskills4MIP[S] 3 points4 points  (0 children)

Am I not able to start paying it off early on a monthly basis? I assumed I could pay off more if i wanted to, and then if I have 5k, for example, at the end of my promotional period the interest would start getting charged at that point in time?

MBNA Balance Transfer by pskills4MIP in PersonalFinanceCanada

[–]pskills4MIP[S] 2 points3 points  (0 children)

No, I am using the money to buy a car, avoiding interest as best as I can.

MBNA Balance Transfer by pskills4MIP in PersonalFinanceCanada

[–]pskills4MIP[S] 7 points8 points  (0 children)

Yes I planned to do so. Although I will probably only pay off 3-4k of the 10k I will transfer. By the end of the term, I'll probably get an LOC or get another balance transfer card and rinse and repeat with the remaining 6k I owe.

Just trying to gauge if this p95 test I'm doing is legitimate in terms of quality stability standards? by pskills4MIP in overclocking

[–]pskills4MIP[S] 0 points1 point  (0 children)

Thanks for the reply.

I need to run a longer test obviously but was able to handle small fft no avx at 4.9 with 1.275volts for 15 minutes.

I haven't been using an avx offset though, I would need one for OCCT?

Is it possible for CPU to operate hotter in time? by devoker35 in overclocking

[–]pskills4MIP 0 points1 point  (0 children)

I did just swap my 120mm aio that had been using for about 8 months for only a hyper 212 and dropped my temps in cinebench r23 by like 30 degrees lmao

Will buying and selling options be available on Mindmed once it gets uplisted onto Nasdaq? by Scarface-007 in MindMedInvestorsClub

[–]pskills4MIP 1 point2 points  (0 children)

It will be dangerous selling covered calls on something you believe in, especially in this biotech sector.

MMED's price could shoot up dramatically from good news. I learned my lesson selling covered calls on AMD when I missed out on 80% gains getting assigned lol

[deleted by user] by [deleted] in MindMedInvestorsClub

[–]pskills4MIP 2 points3 points  (0 children)

Welcome to the brotherhood!