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AAA Credit Card Offer

December 7th, 2008 at 07:11 pm

I have a AAA membership and have had for years. It has saved my butt more than once. I just got a AAA credit card offer for a balance transfer with a 0-2.9% rate on the transfer and 7.99-19.99% on purchases. I currrently have a card with a 14.85% APR. The 0-2.9% rate would make it significantly easier for me to pay it off faster, but I worry about the temptation of having another card. I don't want to close the old card, because I want to buy a house in a couple of years and that is my only open line of credit. I have never done this before. Is it worth it or better to stick it out and pay on the card I have. So, I am taking votes here: Have you done this before? Do you think it was worth it? Would you do it again?

Posted in , Goals | 2 Comments »

2 Responses to “AAA Credit Card Offer”

  1. Koppur Says:
    December 7th, 2008 at 07:37 pm 1228678638
    1228678638

    I have done it before, but I caved to the temptation of a second CC and later had 2 big CC bills to pay off. I think I would be better at it now, after learning my lesson, but it is still a risk. It depends on your own self control. Or, the size of the ice block you freeze the CC in in your freezer. Smile

  2. crazyliblady Says:
    December 7th, 2008 at 09:46 pm 1228686388
    1228686388

    Well, I called and applied for the AAA credit card. They asked a lot of questions and within about 5-7 minutes, they gave me an answer. They turned me down. I don't understand it. I only have one cc and while its balance is high, it is the only card I have. All of the ones I had before were listed on my bankruptcy which was discharged in July 2004. My credit is actually not that bad and my score the last time I checked it about 1 year ago was about 680. I have seen a lot worse. I guess this bank today just has high standards. Hmmm... What to do . . . Pay off current cc.

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