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  1. #1

    Default Lowest Credit Card Fee's

    Hello

    Can anyone tell me which bank/finance house has the lowest credit card transfer rate at the moment please? Im looking for one of those first 6 month low rates


    Cheers

    Popoi

  2. #2
    Join Date
    May 2007
    Location
    Chch
    Posts
    773

    Default

    Hi Popoi,

    Have you tried looking at a site like www.interest.co.nz? There are several sites that list & compare rates like this, they should tell you what you want to know....

    HTH
    Eli

  3. #3
    Join Date
    Jul 2005
    Posts
    1,156

    Default

    kiwibank has a low one at a moment...
    Don't argue with idiots, they'll drag you down to their level and beat you with experience.

  4. #4
    Join Date
    Jun 2006
    Location
    Chch
    Posts
    51

    Default

    Quote Originally Posted by Ivanhoe View Post
    kiwibank has a low one at a moment...
    YES KiwiBank has 2.99% for 6 month if you transfer your existing credit card balance then it goes 12% their normal rate.
    Take it easy!

  5. #5
    Join Date
    Jun 2005
    Location
    Auckland
    Posts
    5,084

    Default

    And kiwibank is $0 fees at the moment.
    DFTBA

  6. #6
    Join Date
    Aug 2003
    Posts
    7,610

    Default

    BankDirect (part of ASB Bank) is an Internet only bank and their credit card is 10.95%.

    Cheers,

    Donna
    PropertyTalk Blog - property articles

    BusinessBlogs - the best business articles are found here



  7. #7
    Join Date
    Jun 2006
    Location
    Chch
    Posts
    51

    Default hmmm

    Quote Originally Posted by donna View Post
    BankDirect (part of ASB Bank) is an Internet only bank and their credit card is 10.95%.

    Cheers,

    Donna
    Bank Direct has an Annually fee of $60 but low interest rate 11.95% or KiwiBank's Zero fee but 15% interest rate
    Personally no fee is better UNLESS you use you card to it's MAX.
    Take it easy!

  8. #8
    Join Date
    Aug 2003
    Posts
    7,610

    Default

    Bank Direct has an Annually fee of $60 but low interest rate 11.95%
    Umm my rate is 10.95% - so my statements tell me

    Cheers,

    Donna
    PropertyTalk Blog - property articles

    BusinessBlogs - the best business articles are found here



  9. #9

    Default

    Just don't apply for it online. Make sure you do the long application where you take all your proof of income etc in. Otherwise they give you a piddly $1,000 limit and you will not be able to transfer your entire balance.

    Just got caught out applying online with BNZ - they ask you for your income - then proceed not to believe you. Consequently I have to send the 'normal' card back and reapply offline for gold one with a decent limit - sigh!

  10. #10

    Default

    Pardon my new ignorance but we are just understanding the debt game. We need a second car but looking around why would i get a standard bank loan at say 12% when i can purchase a decent runaround car for $4k and do the lot on credit card at low rates of say 2.95%?

    If we haven't paid the full amount in 6 months time we can just transfer balance to another card provider and thanks very much, another 6 months of low interest.

    We earn good wages and have no regular debt servicing other than our mortgages which is all met by our tenants rent. This whole low interest credit card thing makes a lot more sense..........................am i right in this thinking??

    Popoi


 

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