以下是引用Issis在2006-7-12 18:31:00的发言：
不要用！！！transaction fee是3%吧？APR还要2.99%，不值！！！

可是$75封顶了呀.

以下是引用shennyye在2006-7-12 19:23:00的发言：

以下是引用Issis在2006-7-12 18:31:00的发言：
不要用！！！transaction fee是3%吧？APR还要2.99%，不值！！！

可是$75封顶了呀.

现在savings的利息最高不过5%多那么一丁点儿，就算$75封顶，bt$7500，按1%算，再来3%的APR，一年下来要白白交给CC4%（我假设bt一年，如果少于12个月更不合算），折腾一年就赚1%，何必呢~

不过lz要是bt来付利息高的贷款就另说了，能省点儿是点儿

monthly minimum payment usually equals to 1.5%-2% of your total outstanding balance.

In your case, assuming you have a 10k credit line citi card, you need to pay BT fee $75 first, and then pay 2.99% apr interest for the following BT period. You won't earn much money in this case.

If your credit score is not bad, why not apply a new citi card with $100 bonus and 0 BT APR? Move your current credit line to the new citi card, and then do BT. Be careful of the t&c