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5 years... I intend to pay it down to 6k by EOY. I put 5k down... Then possibly do a Cc balance transfer at 0%.
Will do. Thank you!
Be careful with those 0% CC transfers. I did it once after I took a cash advance, with no fee, for one of my cards. I used the 10K to open a CD. This was back when it was worth doing, interest wise. The thing to remember is that any payment amounts are applied to the transfer amount, that is receiving the special rate, before they are applied to any other balance.
This can result in a large increase in interest being paid for other charges. I got around this by not using the card, for any other charges, while the special rate for the transfer was in effect. After the CD matured I used it to pay off the 10K I had 'borrowed' on my CC. Of course then the CC company, Shell, canceled my card. Those offers can be used to your advantage if done right.
Be careful with those 0% CC transfers. I did it once after I took a cash advance, with no fee, for one of my cards. I used the 10K to open a CD. This was back when it was worth doing, interest wise. The thing to remember is that the payment amounts are applied to any transfer amount, that is receiving the special rate, before they are applied to any other balance.
This can result in a large increase in interest being paid for other charges. I got around this by not using the card, for any other charges, while the special rate for the transfer was in effect. After the CD matured I used it to pay off the 10K I had 'borrowed' on my CC. Of course then the CC company, Shell, canceled my card. Those offers can be used to your advantage if done right.
Well said! Yes, I plan to not charge anything on that card
Loving the bike! Agreed to the terms as mentioned earlier and couldnt be happier.
A colleague of mine gave me a Guardian Bell. I’ve been riding street bikes all these years and have never heard of it. Ha!
Last edited by ChickinOnaChain; Feb 25, 2018 at 12:10 AM.
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