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     | Friday, July 14, 2000 - 11:17 am  I am trying to find a way to pay one card with another. I am in the process of cleaning up my credit reports, so do not want to apply for any more credit at this time. What I have is 2 Providian Cards, 1 with a very high rate, the other not quite so high. What I want to do is pay off the very high rate with the lower rated one and then close the high rate card. I don't really want to do a cash advance, since I would have to pay an upfront %3. PS I am not worried about balance to available credit on my credit report at this time.
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| | Friday, July 14, 2000 - 11:25 am Have you called them to inquire about a free transfer? Short of that, all I can think of is USING the low rate card. Just buy all your groceries, gas, insurance payments, etc. with the low rate card and then pay off the other. And I recommend you KEEP the high rate card until you got all the credit you need.
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| | Monday, August 21, 2000 - 03:18 pm What would you say the ideal bankcard ratio to be? 15 to 40%? Does this apply to Canadians as well? Zachary.
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| | Wednesday, October 04, 2000 - 05:39 pm I don't know what the ideal ratio is, but I've been meaning to post about getting CASH from a credit card without incurring cash advance fees. I noticed that my PayPal (please read the x.com topic) payments show up as normal credit card charges. So if you know somebody you TRUST, you just send them a payment, they then get the cash, which they'll hopefully pass on to you. Last time I checked, there was a $2,000/year limit on PayPal credit transactions. That's a $60 savings (3% cash advance fee) and if you got the time, it might be worth your while. That's especially true if you can use a card that doesn't charge you interest on your purchases. Time it right and you got the $2K interest free for a while.
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| | Saturday, December 30, 2000 - 02:57 pm There is a credit card that does not charge cash advance fees. Actually, it's the only one I have ever seen. It's the new Quantum card from MBNA. I have a review of it on the page link below my name at the end of this post. This card also does not charge a higher APR for cash advances. Re: getting cash from PayPal charges... while this is true, it is also mentioned in the terms of agreement on PayPal as something that will cause an account to be terminated. I would watch out for this. Kat http://creditexpert.tripod.com/cards.htm
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| | Saturday, December 30, 2000 - 06:06 pm 2 words: BAD IDEA!
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