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Balance Transfer Options

Chalanachithram.com DB » New TF Industry Related » Archive through May 25, 2020 » Balance Transfer Options « Previous Next »
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Thedevarakonda
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Username: Thedevarakonda

Post Number: 451
Registered: 09-2017

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Posted on Saturday, May 23, 2020 - 12:40 am:       


Saint:

Evaru istharu manaki 3% ki money brother?




Dicover!! okko sari 1% varaku isthadu. mostly 2% always. Technique is to call and ask.

without asking 3% thaggadhu. Barclays kuda 1% isthuntadu...
 

Royal1234
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Username: Royal1234

Post Number: 4157
Registered: 12-2010

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Posted on Friday, May 22, 2020 - 11:37 pm:       


Saint:




thanks bro. it is useful
 

Saint
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Username: Saint

Post Number: 81105
Registered: 01-2011

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Posted on Friday, May 22, 2020 - 11:28 pm:       

Downtime lo visa fasked anukoo! How do u repay the debt? Home etc ante fireclousre anukovachu!

Its good no? U dont repay, if u dont have plans to come back!

File bankruptcy & fly!
All is WELL!
 

Saint
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Username: Saint

Post Number: 81104
Registered: 01-2011

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Posted on Friday, May 22, 2020 - 11:26 pm:       


Royal1234:


yeah bro! If its working good, no need to worry!
All is WELL!
 

Baatasari
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Username: Baatasari

Post Number: 8144
Registered: 10-2018

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Posted on Friday, May 22, 2020 - 11:24 pm:       


Saint:




Dude.. no clue.. y u post.. tangents.. and so much..

Risky ane kada nuvvu chepedi nenu chepedi..
Downtimes lo adi bandal avtundi ani nenu ante.. anta cheppi go for it ani nuvvu antunav ante.. endo..
brahma satyam jagan-mithyä jivo brahmaiva näparah
 

Royal1234
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Username: Royal1234

Post Number: 4156
Registered: 12-2010

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Posted on Friday, May 22, 2020 - 11:21 pm:       


Saint:

manaki 3% ki money brother?




thanks for detailed info bro. 3% ki ivvaru . last yr India bank lo OD try cesa maa unit meda , dropped . close to 15% padutundi . instead when needed using the BT at US. it is nice. i don't feel the debt pressure knowing that money at work for us.
 

Saint
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Username: Saint

Post Number: 81102
Registered: 01-2011

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Posted on Friday, May 22, 2020 - 11:18 pm:       


Baatasari:


ifs buts lekunda plain ga idi neeku 10% guaranteed returns vasthadi ane option vunte cheppu, vini thatistha!

Even ur savings account comes with ifs n buts

If ur. Account Savings is above 250k, u r insured up to 250k only!
Even ur mortagage comes with ifs n buts! If housing market crashes?

With out thinking ifs n buts, u invest, god bless u annattu
All is WELL!
 

Baatasari
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Username: Baatasari

Post Number: 8139
Registered: 10-2018

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Posted on Friday, May 22, 2020 - 10:58 pm:       


Saint:




1.5xBT teeskuni invest chestan antav sare.. u gav ifs n buts .. as u know.. investments r risky..

And as u know.. the stock selection, investor awareness in Db is extremely poor.. you have to giv sound advice not let people burn their pockets.

Savings burn chesarante .. ok.. person is rich anukovachu..
BT chesi burn chesarante.. esp downtimes like these.. person has to be mislead n greedy..
brahma satyam jagan-mithyä jivo brahmaiva näparah
 

Saint
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Username: Saint

Post Number: 81098
Registered: 01-2011

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Posted on Friday, May 22, 2020 - 10:55 pm:       


Baatasari:




If ur savings per year,1x anukunte, u can try 1.5x BT and invest! Even 401k lo vesina u will make more than the interest! But yeah careful ga vundala, options kosamoo gambling type vati kosamoo ithe couple of years savings lickified avuddi!

At some point of my life I had 120k loan credit cards& 25k personal loan ki ki ki

Also I Never paid late fee or interest on my cards , this was may be 4-5 years back
All is WELL!
 

Baatasari
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Username: Baatasari

Post Number: 8137
Registered: 10-2018

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Posted on Friday, May 22, 2020 - 10:51 pm:       

This .. borrowing on CC/loan - investing somewhere.. is highly risky and not worth it as OC7 pointed out..

When all assets growing up it works well for you to beat ur loan int vs investment return ( equity or RE or forex watever ) but when asset prices tightening.. ittantivi cheste u r going to be stuck in debt cycle.. so beware.. taruvata lakkoleru peekkoleru..

My 2 cents..
brahma satyam jagan-mithyä jivo brahmaiva näparah
 

Saint
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Username: Saint

Post Number: 81094
Registered: 01-2011

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Posted on Friday, May 22, 2020 - 10:45 pm:       


Royal1234:

idi cestey tappu antunara? morally? or fianance wise or some other angle?
==




Tappu emi kaadu! See u r paying 3% in advance for an year! If u can make above 3-4% u r in profit!

But u take money and send it to India, INR lost 10% (assume), so u have to make it up to that!

If u r takin BT for spending, thats byad! If for investing, most times, u cudnt go wrong!

But u will always have debt on ur head! If u dont feel that in ur mind as burden, its perfectly alright!

Evaru istharu manaki 3% ki money brother?
All is WELL!
 

Oceanseven
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Username: Oceanseven

Post Number: 16862
Registered: 09-2008

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Posted on Friday, May 22, 2020 - 04:11 pm:       

Waste option, zero apr ani mundhey fee roopam lo lepesthaadu, maree avasaraalu vuntey thappa theeskokoodadhu
Chiru | Modi | Azhar | Dhoni | Rohit | Federer |Bangalore
 

Royal1234
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Username: Royal1234

Post Number: 4145
Registered: 12-2010

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Posted on Friday, May 22, 2020 - 03:56 pm:       


Harrytej:

DCU odu January lo istadu kada




yes. nenu using, it is good
 

Gotcha
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Username: Gotcha

Post Number: 34603
Registered: 02-2008

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Posted on Friday, May 22, 2020 - 02:51 pm:       

ok just now did discover BT, waiting for an opportunity with cash in hand
...
 

Harrytej
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Username: Harrytej

Post Number: 2507
Registered: 03-2015

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Posted on Friday, May 22, 2020 - 02:50 pm:       


Royal1234:


DCU odu January lo istadu kada for 6 months or so
 

Harrytej
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Username: Harrytej

Post Number: 2506
Registered: 03-2015

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Posted on Friday, May 22, 2020 - 02:49 pm:       

0$ 0% intro Tesi untaru... balance transfers still there but at higher interest rates by they should be back to normal
 

Royal1234
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Username: Royal1234

Post Number: 4142
Registered: 12-2010

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Posted on Friday, May 22, 2020 - 12:28 pm:       


Saint:

U fell for cheap money and plan to put it to use! Its no brainer to take at 2-3% BT fee and invest / generate moderate returns!




idi cestey tappu antunara? morally? or fianance wise or some other angle?
==
DCU vadi no BT fee and no interst is very helpful for me.
 

Gotcha
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Username: Gotcha

Post Number: 34593
Registered: 02-2008

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Posted on Friday, May 22, 2020 - 11:49 am:       


Jodhaa:

personal loan impacts our credit annaaru? Not true?


obviously it affects ur credit. but 15-20 years undi personal laon teesukopote waste anatu, emi chesukuntam aa credit history and credit ni if dont use it wisely.
...
 

Jodhaa
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Username: Jodhaa

Post Number: 40174
Registered: 02-2008

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Posted on Friday, May 22, 2020 - 11:48 am:       


Gotcha:


personal loan impacts our credit annaaru? Not true?
 

Saint
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Username: Saint

Post Number: 81083
Registered: 01-2011

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Posted on Friday, May 22, 2020 - 11:47 am:       


Andhravodu:

idi most easiest annattu. Ikkade ila chesavu ante nuvvu ye range spender ardham avutundi




Agree! Its like a addiction! U fell for cheap money and plan to put it to use! Its no brainer to take at 2-3% BT fee and invest / generate moderate returns! I used to say its gr8 idea, but now also I think the same!
All is WELL!
 

Gotcha
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Username: Gotcha

Post Number: 34590
Registered: 02-2008

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Posted on Friday, May 22, 2020 - 11:42 am:       


Andhravodu:

I think there is probably a darker reason. I'm thinking bank's calculated the loan borrower has higher risk of death than say a recession time?


even that could be a valid reason but credit card debt unte i think they can come after the family too incase of death if there is an uathorized user. idi naaku full clarity ledu
...
 

Andhravodu
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Username: Andhravodu

Post Number: 18263
Registered: 07-2015

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Posted on Thursday, May 21, 2020 - 11:34 pm:       

Manam pay chestam but mostjanta egodutaru so banks reduce the risk by removing bt
//

I think there is probably a darker reason. I'm thinking bank's calculated the loan borrower has higher risk of death than say a recession time?
 

Andhravodu
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Username: Andhravodu

Post Number: 18262
Registered: 07-2015

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Posted on Thursday, May 21, 2020 - 11:31 pm:       

Earning modalettaka Zindagi lo first time zero appu tho vunna!
//

idi most easiest annattu. Ikkade ila chesavu ante nuvvu ye range spender ardham avutundi
 

Gotcha
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Username: Gotcha

Post Number: 34585
Registered: 02-2008

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Posted on Thursday, May 21, 2020 - 11:30 pm:       

Anni banks lepestayi recession vaste even discover to saha. Manam pay chestam but mostjanta egodutaru so banks reduce the risk by removing bt
...
 

Saint
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Username: Saint

Post Number: 81080
Registered: 01-2011

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Posted on Thursday, May 21, 2020 - 11:23 pm:       

3-4 weeks back most of my cards have BT option! Almost anni lepidobbaru!

Anyways good job annattu a! Earning modalettaka Zindagi lo first time zero appu tho vunna!
All is WELL!
 

Saint
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Username: Saint

Post Number: 81079
Registered: 01-2011

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Posted on Thursday, May 21, 2020 - 11:20 pm:       

Ok !BOA vaadu kooda lepesadu! Disc vaadu & Citi oka card lo vunnayi inka! Chase vaadu lepesadu!
All is WELL!
 

Saint
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Username: Saint

Post Number: 81078
Registered: 01-2011

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Posted on Thursday, May 21, 2020 - 11:07 pm:       

Disc boa thappa anni lepesinattu vunnadu
All is WELL!
 

Royal1234
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Username: Royal1234

Post Number: 4132
Registered: 12-2010

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Posted on Thursday, May 21, 2020 - 10:06 pm:       


Gotcha:

Nenu amex lo 31000$ personal loan teesukuni tesla stock konna beebatsanga kalisi vachind




Gr8 annai.
 

Gotcha
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Username: Gotcha

Post Number: 34581
Registered: 02-2008

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Posted on Thursday, May 21, 2020 - 10:03 pm:       

Discover vadu 5% bt fee. Nenu amex lo 31000$ personal loan teesukuni tesla stock konna beebatsanga kalisi vachindi monna aa madya aa type lo avakasam unte vadukovadame
...
 

Royal1234
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Post Number: 4130
Registered: 12-2010

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Posted on Thursday, May 21, 2020 - 10:00 pm:       


Mamamiya786:

reates




BT - mostly no interest with only transfer fee kada . Interest pay cesi invest cestey work/profit avtundaa?
 

Mamamiya786
Megastar
Username: Mamamiya786

Post Number: 28381
Registered: 06-2008

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Posted on Thursday, May 21, 2020 - 09:54 pm:       


Gotcha:

i etesadu chase ettesadu only discover istunadu for now.




discover gadu entha vestunnadu reates ..
Sensation(About Bala):He can win in atleast half of the segments in Rayalaseema. Emi matladutunnavo neeku telusa. He can contest any where in coastal and rayalaseema districts. I personally feel he should contest from Srikakulam dt.

Jagan|Modi|
 

Baatasari
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Username: Baatasari

Post Number: 8100
Registered: 10-2018

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Posted on Thursday, May 21, 2020 - 09:31 pm:       

Leverage
brahma satyam jagan-mithyä jivo brahmaiva näparah
 

Ustad
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Username: Ustad

Post Number: 28552
Registered: 07-2008

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Posted on Thursday, May 21, 2020 - 04:07 pm:       


Ysr2009:


Leverage is like Beverage for Gotcha.
I learned long ago, never to wrestle with a pig. You get dirty and besides, the pig likes it - George Bernard Shaw
 

Gotcha
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Username: Gotcha

Post Number: 34573
Registered: 02-2008

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Posted on Thursday, May 21, 2020 - 02:48 pm:       

citi etesadu chase ettesadu only discover istunadu for now.
...
 

Ysr2009
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Post Number: 8562
Registered: 03-2014

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Posted on Thursday, May 21, 2020 - 02:43 pm:       

crazy
 

Royal1234
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Username: Royal1234

Post Number: 4123
Registered: 12-2010

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Posted on Thursday, May 21, 2020 - 02:41 pm:       

BT is nice. Saint annai has lots of experiance and useful tips.
--
Last 3/4 yrs nundi DCU - first 7 months zero-fee/zero interest money - nice
--
 

Twitter
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Username: Twitter

Post Number: 71043
Registered: 10-2009

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Posted on Thursday, May 21, 2020 - 02:35 pm:       


Ysr2009:

bank lo mooluguthunna money kadaa invest chesedi?




bank lo moougedhi vere chota invest chestham ga like shares and other real estate here .. desam lo real estate ki ee bal xfer lu
 

Ysr2009
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Post Number: 8561
Registered: 03-2014

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Posted on Thursday, May 21, 2020 - 02:33 pm:       

sachin: process ardham ayyindi.. but, why are you taking loan and invest it in the first place?

bank lo mooluguthunna money kadaa invest chesedi?
 

Sachin
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Username: Sachin

Post Number: 45198
Registered: 04-2008

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Posted on Thursday, May 21, 2020 - 02:30 pm:       


Ysr2009:




Balance transfer offers untayi like 3% fee and 15 MONTHS 0% apr ani..so 10k theesukunte, u pay $300 and nothing else upto 15 months...

inka rechipo
 

Ramjirao
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Post Number: 10147
Registered: 02-2019

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Posted on Thursday, May 21, 2020 - 02:29 pm:       


YSR2009:

why are you taking loan from CC?




appu theesukoni invest cheyyi. labham osthe appu theerchu. nastam osthee chethulu ethheyiii
 

Ysr2009
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Username: Ysr2009

Post Number: 8559
Registered: 03-2014

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Posted on Thursday, May 21, 2020 - 02:17 pm:       

meeru every month whole credit card bill pay cheyyaraaa?

why are you taking loan from CC?
 

Sachin
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Username: Sachin

Post Number: 45197
Registered: 04-2008

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Posted on Thursday, May 21, 2020 - 02:04 pm:       

i got 10k from citi
 

Gotcha
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Username: Gotcha

Post Number: 34572
Registered: 02-2008

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Posted on Thursday, May 21, 2020 - 02:01 pm:       

did you check most banks removed Balance Transfer option. recession ragane lepi dobaru, manam adi borrow chesi invest chedam ani chuste. what banks are still giving BT?
...

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