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Balance transfer offer for 21 months.

Balance Transfer Offer

 

This is an offer I had to share with you, Cronies. I’m not affiliated with this company at the time of posting, and I am not getting paid for this post. But it’s that good.

Citi® Diamond Preferred® Card is offering a 0% introductory offer on purchases and balance transfers – for 21 months!!

 

Citi® Diamond Preferred® Card

This is a great opportunity to calculate your 21 monthly payment amounts and transfer those balances – saving you almost two years of interest and a real chance to jumpstart your debt reduction. Plus, it looks as though there is no annual fee. Whoop! You will need a good to excellent FICO score to get this awesome deal. Yes – your FICO score matters when it comes to qualifying for certain deals.

 

Citi also has a Price Rewind benefit, and some trip perks, as well as an “Easy Deals” program that isn’t the brightest incentive on the tree – but since I am here to help you achieve financial freedom and reduce debt, you are on your own when it comes to buying more stuff. The only shine I am interested in is the shine of your new debt-free life.

The key here is to use this offer to reduce spending – not to postpone interest payments!

  • Add your outstanding balances
  • Divide that amount by 21 to come up with your target payment in order to reach a zero balance before interest payments kick in.
  • Readjust your budget to reflect those payments. If the payment amount is less than the total amount you are paying for your current balance, you can  add the remainder to the new balance transfer and pay it off early. Or put the remainder in a savings plan – paying into your own future. But don’t get tricked into spending it!

You can do it!

 

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