Hey Jeff thanks for this insight. Do you know if the length of the 0% (or whatever the balance transfer APR is, is negotiable too?) I've always wondered if they say 0% for 9 months could really mean 12 or 15 months if you just haggled them?
This "rate surfer" term is new to me. I always anticipated there was something in place like this though. But is this an internal tracking system (only at that bank) or is it a database shared among all credit card companies?
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Current Cards:
American Express: Blue Cash, Simply Cash
Bank of America: Visa Financial Rewards Platinum Plus
Chase: Rewards Visa, Amazon Visa
Discover: More
Current Everyday Card: American Express Blue Cash
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