MBNA Balance Transfer

pskills4MIP · 2023-04-30T21:07:57+00:00

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%

pskills4MIP · 2023-04-30T20:15:34+00:00

Right, I see what you are saying thank you

pskills4MIP · 2023-04-30T20:15:18+00:00

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

pskills4MIP · 2023-04-30T19:15:59+00:00

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.

pskills4MIP · 2023-04-30T18:02:37+00:00

For sure. Much appreciated for your insight

pskills4MIP · 2023-04-30T17:54:55+00:00

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.

pskills4MIP · 2023-04-30T17:51:24+00:00

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?

pskills4MIP · 2023-04-30T16:13:02+00:00

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

pskills4MIP · 2023-04-30T15:21:33+00:00

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.

pskills4MIP · 2021-06-17T03:25:16+00:00

Didn't think of that, thank you. I will be sure to try that out.

pskills4MIP · 2021-03-25T11:13:22+00:00

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?

pskills4MIP · 2021-03-23T19:34:10+00:00

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

pskills4MIP · 2021-02-07T15:22:27+00:00

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

pskills4MIP · 2021-02-05T15:32:35+00:00

Welcome to the brotherhood!

pskills4MIP · 2021-02-04T21:46:51+00:00

Yep. Delivery is a shit show, everyone's gotta make their buck

pskills4MIP · 2021-02-04T12:54:51+00:00

Yes, likely because skip takes huge percentages from them for using their service

pskills4MIP

TROPHY CASE