[butch81385]

njolakoski,

I am currently looking to tansfer my balance as well. They raised my APR from 7.9% to 28.99% after being one week late for a payment . I was looking at capital one as they have a deal with 0% APR until Oct. 09, and 12.9% variable afterwards (I will have to see what the rate is after October to see if I keep it afterwards). I applied for the card and there was a spot on the online application for balance transfers. My initial application came back as approved, but the transfer came back as declined as their 30 second approval only gave me a credit limit of $1000 (my old card had a limit of $8000, with about $5000 on it to be transferred). I am to wait the 7-10 days until I get all of my paperwork in the mail which will have my finalized credit limit (which I can raise if needed), then fill out the online or paper form for balance transfer. Then, within 10 days they will pay off that amount on my credit card, and I will have that amount (+ a one time 3% fee during this 0% apr promo period) on my new card.