Carduser wrote:Your site lists a Bank of America balance transfer w/ 3% fee. I've had BofA card for 20+ years, they regularly send me balance transfer checks with 4% fee. Do you know if any banks will negotiate the fee percentage they charge?
BofA routinely sends me 3% offers.
I would assume that some banks are more willing to negotiate than others. Personally, I've had good experiences with BofA being willing to raise my credit limit, lower my APR, and generally provide me with good service and useful information. I've never done a balance transfer with them though.
If you do want to do a BofA balance transfer I would recommend calling them and saying something like, "I see online/other people tell me about these 3% offers, but I'm being offered 4%. Is there any way I can get the 3% offer?" Personally I feel like they would in a scenario like that, but I guess it depends on your credit history and the particulars of your account with them.
As far as other banks go, I've generally found Discover and Chase very willing to go the extra mile with services and offers. Capital One and Amex not so much. That's just my personal experience though.