I have been trying to consolidate my debt for about a year now but have never found an offer with a beneficial interest rate because my credit is decent but not great. I was expecting to get a similar offer back but thought I would try this out anyway. I was blown away that it took me less than 2 minutes to put in the necessary info and got 2 offers instantly that were about 10% lower than any other consolidation offer I had received. The company is already sending me info about various ways to contact customer service with any questions and I can't wait to start cutting back on my interest payments.
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I applied for refinance. I am in a much better loan now. The people I worked with are great.
Called because they wanted my PIN to my checking account. They didn't have a answer to why they would need that information. Is this bank legit?
Obviously this card is a steal for balance transfers: only 3% transfer charge (vs the usual 6% vis others) and 21 months of 0% interest. It’s a no brainer. I was approved instantly with enough of a balance to perform the balance transfer I needed. Protip: For those of you who receieve balances that are not high enough on the initial approval, call Citi directly and ask for a limit increase! All creditors are capable of increasing your credit limit and it’s in their best interest to do so. This is also a great way to bump your credit score as credit limit increases actually increase your credit score!
The process was relatively simple and straightforward. The amount of paperwork was minimal. We did go with a personal loan and although I have a credit score of 780, I'm not thrilled with the interest rate but we needed the money.