0% Balance Transfers – Chase versus Citibank
The short story for you impatient readers is Citi is better. As you may have read I borrow money using 0% credit card offers and invest them. I pay them back before the offer expires.
Citibank made the process easy. Login and request that they cut you a check. Done.
I logged into Chase to do the same thing. You are not allowed to do this online. So I called them and asked about it. They told me that they don’t let 0% accounts do balance transfer checks online. They also will not cut you a check on the phone for the first three months. I went online to transfer the money over to my Citi card and it wouldn’t let me do that so I had to call to get the card to card balance transfer.
Of course then I had Citi cut me another check for the balance. Kudos to Citi for being easy to work with. Thumbs down to Chase for being hard to deal with and for making me deal with them so many times. They could have put a notice in their website about these restrictions, explained the error online or explained all the rules when I called the first time.
If you have a choice go with Citibank.