Talk:Credit card balance transfer

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Merge[edit]

Okay, this page, and the attendant merger, is pretty much done. It also needs to be moved to "credit card balance transfer". Aelindor (talk) 00:22, 10 March 2009 (UTC)[reply]

warning: linkspam incomming[edit]

Just FYI kids: http://www.vworker.com/RentACoder/misc/BidRequests/ShowBidRequest.asp?lngBidRequestId=1613688 -- basically someone wants to pay to get their links in here 208.127.110.38 (talk) 21:46, 5 March 2011 (UTC)[reply]

Payment order[edit]

The sentence "An order of payments for every credit card specifies which balance(s) will be paid first. In nearly all cases payments apply to lowest-rate balances first - highest-rate last. Any balance under a teaser rate or fixed rate will be paid off sooner than any purchases or cash advances (which usually have the highest APR). By avoiding making purchases or taking cash advances altogether, the borrower can ensure they maintain the full benefits of the original balance transfer." in the overview section is incorrect (at least for the UK). Since January 2011, new legislation has required that the highest interest rate portion of the balence is paid off first. Could the article be updated to reflect this please? Davepusey (talk) 21:42, 24 March 2011 (UTC)[reply]

results of balance transfer arbitrage[edit]

i removed "The strategy ultimately results in higher rates for the rest of the credit card holders since the credit card companies are being deprived of some of their money, and in order to stay profitable they have to charge higher rates." this is very speculative, arguable, unsourced, and in my opinion incorrect. particularly, in absolutely no sense are the companies being "deprived of some of their money". the companies made these offers and aggressively marketed them; they are not being deprived of anything by people accepting the offers. --dan (talk) 00:10, 22 March 2012 (UTC)[reply]