Chase balance transfer

I called chase and they told me that they only sell balance transfers and not direct deposits which is weird because Bank of America sells both. With direct deposits it IS a Cash Advance at a promotional rate with the same terms and conditions as a balance transfer. I sell balance transfers/direct deposits at work everyday.Advertiser Disclosure. A balance transfer could take up to six weeks to appear in the account you're transferring the balance to, depending on your card issuer. While many issuers can complete the process within a week, it's not a "set it and forget it" kind of situation. You can check your accounts to see when the transfer processes.A balance transfer fee is a one-time charge that may apply when you move your debt to a new card. It's typically worth 1-3% of the balance transfer amount, but not all providers charge a balance transfer fee. To give you an idea of the cost, transferring $5,000 onto a card with a 2.5% balance transfer fee would add $125 to the balance.Chase Slate Edge℠ Intro APR 0% intro APR for up to 21 months on purchases and qualifying balance transfers from account opening Regular APR 15.24% - 27.24% Variable Annual Fee $0 Intro APR 0% intro...There is a $35 Monthly Service Fee for Chase Private Client Checking OR $0 when you have at least one of the following each statement period: an average beginning day balance of $150,000 or more in any combination of this account and linked qualifying deposits¹/ investments² OR, a linked Chase Platinum Business Checking SM account.. ¹ Qualifying personal deposits include up to nine Chase ...Build your credit score before reapplying. If you were denied a balance transfer because of a low credit score, you'll need to make a serious effort to build your credit score before trying a ...A balance transfer fee is a fee charged transferring your debt from one credit card to another. These fees typically amount to 3% to 5% of the balance carried: For example, a 3% fee to transfer a...The offer: 0% introductory APR for 15 months after account opening on purchases and qualifying balance transfers, then a 17.24%, 22.24%, or 27.24% variable APR. Balance transfers made within 120 days qualify for the introductory rate and fee of 3%, then a balance transfer fee of up to 5% applies (with a $5 minimum in both cases).A balance transfer is when you move outstanding debt from one credit card to another. Balance transfers are typically used by consumers who are looking to move the amount they owe on a credit card to one with a significantly lower promotional interest rate. This is usually done by opening a new credit card account to make this transaction.Chase Balance Transfer/Convenience Checks. They keep sending me these in the mail about once a month, not sure why. I've considered using them a few times, but I don't like some of the terms and I don't have a balance anywhere the incurs interest.. Are you getting them?Sep 02, 2022 · If you get a balance transfer check, it can be used to make payments for little expenses that you want to incur, knowingly or unknowingly. A look at the Best Balance transfer cards that the Chase bank has to offer. It is important for the chase customer to be aware that chase provides two credit cards that offer initial balance transfer offers. asgc group The Citi ® Double Cash Card - 18 month BT offer comes with an intro APR of 0% for 18 months on balance transfers, then an ongoing APR of 16.24% - 26.24% (variable). There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening.For example, the Chase Freedom Unlimited® earns at least 1.5% cash back (1.5 points per dollar) and comes with a 0% intro APR on purchases and balance transfers for the first 15 months (then a 17 ...Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24% - 25.99%. ... Because Chase allows you to transfer its points among cards ...Chase Login To Balance Transfer LoginAsk is here to help you access Chase Login To Balance Transfer quickly and handle each specific case you encounter. Furthermore, you can find the “Troubleshooting Login Issues” section which can answer your unresolved problems and equip you with a lot of relevant information. A balance transfer can be a shortcut to getting out of debt faster if it means paying a lower interest rate. If you've applied for a balance transfer card to pay down debt and been denied, it can be a real blow.. Getting approved for a balance transfer card isn't always a lock. Learn why your balance transfer application may be denied and what you can do to increase your approval chances.Jul 23, 2021 · Chase recently introduced a new version of the Slate card — the Chase Slate Edge℠ — which comes with an introductory 0% APR on purchases and balance transfers for the first 12 months (then a ... I called chase and they told me that they only sell balance transfers and not direct deposits which is weird because Bank of America sells both. With direct deposits it IS a Cash Advance at a promotional rate with the same terms and conditions as a balance transfer. I sell balance transfers/direct deposits at work everyday.Note: This account may not be eligible for balance transfers. How We Will Calculate Your Balance: We use the daily balance method (including new transactions). Prime Rate: Variable APRs are based on the 5.50% Prime Rate as of 8/2/2022. a We add 13.24% to 20.24% to the Prime Rate to determine the Purchase/My Chase Loan/Balance Transfer APR ... Balance transfers typically take 2-3 business days to complete. A balance transfer fee of $5 or 3% of the amount of each balance transfer, whichever is greater, will be assessed for each balance transfer completed. Minimum monthly payment of $18 or 3% of the outstanding balance, whichever is greater, required each billing cycle.Sure enough, Chase offered select customers 0% balance transfer for life in 2003. It came with rules though. You must pay the minimum balance every single month, and you must make a minimum of two purchases every billing cycle. Failure to do so and your rate will rocket back up to normal levels. But Wait, There's More.Are folks seeing balance transfer offers for existing (not new) Chase credit card accounts? I used to see a lot of Chase balance transfer offers in the past but have not not seen those offers recently (in the last 6 months or so). I still get balance transfer offers from Citi and Bank of America. Thanks in advance! 5. 0. Notably, Chase Slate does what the offer says: You can transfer a balance to the card with a $0 introductory balance transfer fee if you do the transfer within the first 60 days your account is open. After the 60 days, balance transfers are assessed a fee of $5 or 5% of the amount of each transfer, whichever is greater.2Chase SavingsSM Option #1: Keep a balance at the beginning of each day of $300 or more in your savings account; OR, Option #2: Have $25 or more in total Autosave or other repeating automatic transfers from your personal Chase checking account (available only through chase.com or Chase Mobile®) ; OR, Option #3: Have a Chase College CheckingSM ...Best Balance Transfer Cards of September 2022. Best Overall and Longest Intro 0% Period: U.S. Bank Visa® Platinum Card. Runner-Up Best Overall Longest Time To Complete a Transfer: Wells Fargo Reflect℠ Card. Best for Earning Rewards: Chase Freedom Flex℠ Credit Card. Best With a Low Ongoing APR: Simmons Visa®.May 11, 2022 · Intro Balance Transfer APR 0% Intro APR on Balance Transfers for 18 months. Balance Transfer APR 16.49% - 25.24% Variable. Balance Transfer Fee Either $5 or 5% of the amount of each transfer ... tsw wheels May 11, 2022 · Intro Balance Transfer APR 0% Intro APR on Balance Transfers for 18 months. Balance Transfer APR 16.49% - 25.24% Variable. Balance Transfer Fee Either $5 or 5% of the amount of each transfer ... Sep 02, 2022 · If you get a balance transfer check, it can be used to make payments for little expenses that you want to incur, knowingly or unknowingly. A look at the Best Balance transfer cards that the Chase bank has to offer. It is important for the chase customer to be aware that chase provides two credit cards that offer initial balance transfer offers. The process of making a balance transfer is relatively simple, but it can take anywhere from one to six weeks to complete, depending on the card provider. Some card providers let you request a balance transfer while you fill out the application form, but most providers will accept a transfer request as soon as your card application is approved.The "Do's" of Balance Transfers. Read the fine print before you get a new card or transfer a balance. Understand the fees, terms and conditions. Many Balance Transfers have a fee of 3% or more of the transfer amount. Find out if the interest rate is promotional and how long it will last.Balance after intro period: $1,400 with 18% APR. Total cost: $41 ($0 balance transfer fee + $41 interest) Bottom line: As you can see, the $0 balance transfer fee credit card is a better deal. With that card, you save $109 over the card with a balance transfer fee and a longer introductory period.Each credit card with a balance transfer offer will have a balance transfer limit based on your credit line and other factors: this is the maximum amount you can move from another card to the new card. You can transfer balances from multiple cards, provided they do not exceed the limit.A balance transfer fee is a fee charged transferring your debt from one credit card to another. These fees typically amount to 3% to 5% of the balance carried: For example, a 3% fee to transfer a...Help! A: Checking your Chase credit card balance online is easy to do. All you have to do is log in to your Chase credit card account, which can be accessed here. It will show your balance on the home page under My Account. If you have a Chase credit card but don't yet have an account on their website, you can enroll here.Apr 13, 2017 · Here's why: It has a no balance transfer fee promotion for the first 60 days (this is very rare, with many cards tacking on a 3%-5% transfer fee). Note: After the first 60 days, the fee for future transactions is 5% of the amount transferred with a minimum of $5. You don't have to pay interest on your balance transfer for 15 months. ford tractor 4500 for sale Balance after intro period: $1,400 with 18% APR. Total cost: $41 ($0 balance transfer fee + $41 interest) Bottom line: As you can see, the $0 balance transfer fee credit card is a better deal. With that card, you save $109 over the card with a balance transfer fee and a longer introductory period.As of now, 10 major cards have changed their balance transfer offers, with several openly removing their offers altogether. Credit Card. Change. Card type. Capital One® Quicksilver® Cash Rewards Credit Card. Balance transfer intro removed. Cashback; introductory APR. Capital One® SavorOne® Cash Rewards Credit Card.The minimum transfer fee is $5. The chance to reduce your APR: Once the introductory 0% APR promotion ends, the variable APR ranges from 14.99% to 23.74%, depending on your creditworthiness.Notably, Chase Slate does what the offer says: You can transfer a balance to the card with a $0 introductory balance transfer fee if you do the transfer within the first 60 days your account is open. After the 60 days, balance transfers are assessed a fee of $5 or 5% of the amount of each transfer, whichever is greater.Feb 28, 2022 · Click “Pay & transfer” from the main menu, then select “Card balance transfers.”. Select the card you want to transfer a balance to from the drop down menu. If you have a “card to card transfer” offer, you’ll see the amount available to transfer to your Chase card under “Your available transfer types.”. Note that when ... The offer: 0% introductory APR for 15 months after account opening on purchases and qualifying balance transfers, then a 17.24%, 22.24%, or 27.24% variable APR. Balance transfers made within 120 days qualify for the introductory rate and fee of 3%, then a balance transfer fee of up to 5% applies (with a $5 minimum in both cases).Jul 19, 2021 · Choose the Pay & transfer tab, then hit Card balance transfers. From the dropdown menu, select the Chase card you want to make a transfer to. Choose an available offer. Verify your card information. Complete your balance transfer request with information such as the card with your existing debt and how much you wish to transfer. 2Chase SavingsSM Option #1: Keep a balance at the beginning of each day of $300 or more in your savings account; OR, Option #2: Have $25 or more in total Autosave or other repeating automatic transfers from your personal Chase checking account (available only through chase.com or Chase Mobile®) ; OR, Option #3: Have a Chase College CheckingSM ...The Chase Freedom Unlimited ® offers a solid 0% Intro APR on Balance Transfers for 15 months — after that, an APR of 16.49% - 25.24% variable applies. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. jefferson county fair nebraska 2022 Chase Balance Transfer/Convenience Checks. They keep sending me these in the mail about once a month, not sure why. I've considered using them a few times, but I don't like some of the terms and I don't have a balance anywhere the incurs interest.. Are you getting them? Transfer your existing credit card or other loan balances to your Visa Gold or +Rewards credit card and get a 1% REBATE on the balance transfer amount - it's a great way to start getting a better deal on your credit card balances! 1 Complete the form below to request your balance transfers(s) using the available credit on your Qualstar Visa Credit Card.In general, if a balance transfer helps you get out of debt more quickly—and you don't add to the debt while you're paying it off—your credit likely will improve over time. A balance transfer credit card allows you to move existing debts to a new account, one that may offer a promotional annual percentage rate (APR) period as low as 0%.1 point on balance transfers: You'll earn 1 point for each $1 of the first $10,000 of balance transfers made during the first 90 days from your original account open date. 3,000 bonus points each account anniversary year: You'll receive 3,000 bonus points each account anniversary year. "Account anniversary year" means the year beginning with ...Sep 02, 2022 · If you get a balance transfer check, it can be used to make payments for little expenses that you want to incur, knowingly or unknowingly. A look at the Best Balance transfer cards that the Chase bank has to offer. It is important for the chase customer to be aware that chase provides two credit cards that offer initial balance transfer offers. Evaluate the balance transfer fee. Balance transfer fees are often 2-5 percent of the transferred amount up front, or a minimum of $10 (this fee is added to your total balance transfer). On a $5,000 balance transfer, that could mean a fee between $100 and $250. Include the fee in your calculations to figure out if you'll save money over the ...If you transferred that balance to the Chase Slate card, you'd normally have to pay $250—5% of the account balance—in balance transfer fees. But if you completed the balance transfer within the...Chase Balance Transfer/Convenience Checks. They keep sending me these in the mail about once a month, not sure why. I've considered using them a few times, but I don't like some of the terms and I don't have a balance anywhere the incurs interest.. Are you getting them? No, balance transfers may not be used to pay other credit cards or loans issued by JPMorgan Chase Bank, N.A., or any of our affiliates. When will the balance transfer post to my account? Most balance transfers will post to your account within a week to 21 days. This time frame is dependent on how quickly the payee processes the transferred amount.Chase Freedom Flex℠. 0% promotional period: 15 months on new purchases and balance transfers. Regular APR: 16.49% to 25.24% (variable). A balance transfer fee of 3% or $5 of the amount of each transfer, whichever is greater in the first 60 days, will apply. Worth noting: 5% cash back on rotating categories that you must activate each quarter ...Each credit card with a balance transfer offer will have a balance transfer limit based on your credit line and other factors: this is the maximum amount you can move from another card to the new card. You can transfer balances from multiple cards, provided they do not exceed the limit. your tax return is still being processedarianne axe optionsJul 23, 2021 · Chase recently introduced a new version of the Slate card — the Chase Slate Edge℠ — which comes with an introductory 0% APR on purchases and balance transfers for the first 12 months (then a ... The Freedom Unlimited card offers a 0% introductory APR on balance transfers AND purchases for the first 15 months of account opening. This card also has a $0 annual fee. There is a balance transfer fee of 5% of the amount transferred with a minimum of $5. The Freedom Unlimited card comes with a fantastic rewards program and lots of benefits.The challenge is, almost all 0% balance transfer credit cards charge a transfer fee. Most balance transfer credit cards charge 3 to 5% of your transfer balance. So, if you're transferring $6,000 in credit card debt, your balance transfer fee would be $180 to $300.A balance transfer fee is a one-time charge that may apply when you move your debt to a new card. It's typically worth 1-3% of the balance transfer amount, but not all providers charge a balance transfer fee. To give you an idea of the cost, transferring $5,000 onto a card with a 2.5% balance transfer fee would add $125 to the balance.Apply Now. on Bank of America's website, or call (800) 322-7707. Annual fee. $0. Intro APR. 0% intro APR on Purchases for 21 billing cycles and 0% intro APR on Balance Transfers for 21 billing ... Chase online lets you manage your Chase accounts, view statements, monitor activity, pay bills or transfer funds securely from one central place. To learn more, visit the Banking Education Center . For questions or concerns, please contact Chase customer service or let us know about Chase complaints and feedback .Chase checking account monthly maintenance fees vary from $4.95 to $25 for the bank's standard checking options, and from $25 to $35 for the bank's premium checking options. Additionally, Chase offers three checking accounts designed for kids and students, which feature low service fees from $0 to $6. Some Chase accounts also earn interest ...Chase recently introduced a new version of the Slate card — the Chase Slate Edge℠ — which comes with an introductory 0% APR on purchases and balance transfers for the first 12 months (then a ...What can I use a balance transfer for? Pay off higher-rate credit cards. Pick which cards you want to pay down and then transfer the balance to your Chase card with an eligible lower rate. Consolidate balances. Make managing your finances easier by combining several credit card balances into one. Pay for unexpected expenses or get cash. Most banks charge a balance transfer fee of 3% or 5%. This means for a $5,000 balance, you're looking at a balance transfer fee of $150 or $250. If you've got a lot of debt you want to move around, you need to know what it's going to cost up front. Instead, look for a credit card with no balance transfer fees.Apply Now. on Bank of America's website, or call (800) 322-7707. Annual fee. $0. Intro APR. 0% intro APR on Purchases for 21 billing cycles and 0% intro APR on Balance Transfers for 21 billing ... milwaukee tool backpack The Freedom Unlimited card offers a 0% introductory APR on balance transfers AND purchases for the first 15 months of account opening. This card also has a $0 annual fee. There is a balance transfer fee of 5% of the amount transferred with a minimum of $5. The Freedom Unlimited card comes with a fantastic rewards program and lots of benefits.Chase recently introduced a new version of the Slate card — the Chase Slate Edge℠ — which comes with an introductory 0% APR on purchases and balance transfers for the first 12 months (then a ...Barclays balance transfer limit. If there's a balance transfer offer available on your Barclays credit card, you'll be able to transfer up to your credit limit minus the amount of the balance transfer fee. If you apply for a new Barclaycard offering a balance transfer deal, the maximum transfer limit is 90% of your credit limit.For example, with Chase you can go online and select your card, enter the amount you want to transfer, as well as your credit card info, and then complete your transfer. You may be able to transfer your balance over the phone as well as online, so check with your credit card company about the proper procedure.Balance transfer credit cards can potentially save you money on interest charges against your current debt. Read more. How do credit card balance transfers work? Credit card balance transfers work to reduce interest payments as you drive down your overall credit card debt. Here's how to make them work for you.Earn 70,000 bonus miles after qualifying purchases. AT A GLANCE Pursue your questSM. Enjoy a $125 annual United purchase credit, two 5,000-mile anniversary award credits and other premium travel benefits. Plus, earn 3x miles on United purchases and 2x miles on all other travel. Terms apply. APR 18.74 %- 25.74 % variable APR. † ANNUAL FEE $250 †The Chase Slate Edge℠ Card has 0% APR on both new purchases and balance transfers for 18 months. You'll pay a balance transfer fee of 3% ($5 minimum) if you transfer your balance within 60 ... raspberry pi boost wifi Transfer your existing credit card or other loan balances to your Visa Gold or +Rewards credit card and get a 1% REBATE on the balance transfer amount - it's a great way to start getting a better deal on your credit card balances! 1 Complete the form below to request your balance transfers(s) using the available credit on your Qualstar Visa Credit Card.Step 1. Go to Transfer Between Chase Accounts website using the links below Step 2. Enter your Username and Password and click on Log In Step 3. If there are any problems, here are some of our suggestions Top Results For Transfer Between Chase Accounts Updated 1 hour ago www.sapling.com But while holders get a 15-month break from interest for balance transfers and purchases, the card also has a balance transfer fee. You'll be charged a 3% intro fee (or a minimum of $5, whichever...Chase Balance Transfer/Convenience Checks. They keep sending me these in the mail about once a month, not sure why. I've considered using them a few times, but I don't like some of the terms and I don't have a balance anywhere the incurs interest.. Are you getting them? The Chase Slate Edge(SM) card offers 0% Intro APR for 18 months from account opening on purchases and balance transfers. This is their card that has several features focused on those trying to pay down their credit card balance, which requires both a lower interest rate, which in turn usually requires a good credit score.The balance transfer fee in this case is 3%, which amounts to $150. Even after the fee, you'll come out way ahead by not paying interest for a year, as long as you put about $415 per month toward...The intro balance transfer feature is in addition to already having a 0% intro APR offer on purchases made on the card. However, once the 15 month period is over on either purchases or balance ...Posts: 2,490. There are many airline credit cards that offer miles for balance transfers. Most all have a 3% fee on the transfer, but most of those fees are also capped at $50 or $75 per transfer. So the miles received could justify the fee for a large transfer.Balance transfers must be completed within 4 months of account opening. There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater. Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges See application, terms and details. Additional Disclosure: Citi is a CardRates advertiser. 3.Note: This account may not be eligible for balance transfers. Loss of Intro APR: We will end your introductory APR if any required Minimum Payment is 60 days late, and apply the Penalty APR. How We Will Calculate Your Balance: We use the daily balance method (including new transactions). Prime Rate: Variable APRs are based on the 5.50% Prime Rate as of 8/2/2022.Sep 02, 2022 · If you get a balance transfer check, it can be used to make payments for little expenses that you want to incur, knowingly or unknowingly. A look at the Best Balance transfer cards that the Chase bank has to offer. It is important for the chase customer to be aware that chase provides two credit cards that offer initial balance transfer offers. Daily and combined balances Chase Total Checking and Chase Premier Plus accounts also allow you to waive your monthly fee by meeting an "average beginning day balance" requirement. This means that...A balance transfer on this card would cost 5% or $5, whichever is greater, so $500 in the case of a $10,000 balance. That's already outweighing the value of any points earned. And again, if you're also paying interest on a credit card then you're even deeper in the hole.Transfer your existing credit card or other loan balances to your Visa Gold or +Rewards credit card and get a 1% REBATE on the balance transfer amount - it's a great way to start getting a better deal on your credit card balances! 1 Complete the form below to request your balance transfers(s) using the available credit on your Qualstar Visa Credit Card.Balance transfer cards can allow you to move an accumulated balance from one or more high-rate credit cards to one with a balance transfer offer, potentially saving you hundreds or even thousands...Some companies complete balance transfers electronically, while others issue balance transfer checks directly to you, the account holder, which you then mail to the cards you're paying off. Some credit card issuers may also allow you to transfer your debt from a student loan, a personal loan, an auto loan or a home equity line of credit. nypd rabbi slangBalance transfer cards typically don't waive foreign transaction fees. There are a few cards with no balance transfer fee similar to the original Chase Slate, although they're usually only...Aug 16, 2021 · To do a balance transfer with Chase, new applicants can just complete the balance transfer portion of a Chase credit card application. Existing cardholders can request a balance transfer online or by calling customer service at (800) 432-3117. Chase balance transfers usually take up to 21 days to process. May 11, 2022 · Intro Balance Transfer APR 0% Intro APR on Balance Transfers for 18 months. Balance Transfer APR 16.49% - 25.24% Variable. Balance Transfer Fee Either $5 or 5% of the amount of each transfer ... Chase Slate Edge℠ Intro APR 0% intro APR for up to 21 months on purchases and qualifying balance transfers from account opening Regular APR 15.24% - 27.24% Variable Annual Fee $0 Intro APR 0% intro...In order to get the $1,000 bonus, you need to: Within 45 days of account opening, transfer $75,000 or more qualifying new money or securities to Chase and maintain that balance for 90 days. You don't need to transfer all of the money into the Chase Sapphire banking account. It can be a combination of that account and other eligible accounts ... kings county surrogate courtYou receive 18 months of zero-percent APR financing on balance transfers, with a 3-percent transfer fee. You earn 1-percent cash back at the time of purchase and another 1 percent back when you pay for your purchases, for a total of up to 2 percent cash back. Wells Fargo Platinum.The Chase Slate Edge(SM) card offers 0% Intro APR for 18 months from account opening on purchases and balance transfers. This is their card that has several features focused on those trying to pay down their credit card balance, which requires both a lower interest rate, which in turn usually requires a good credit score.Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24% - 25.99%. ... Because Chase allows you to transfer its points among cards ...Jun 22, 2022 · Balance transfer cards are a great way to get a handle on debt. ... the Chase Sapphire Preferred® Card currently offers new customers the ability to earn 60,000 bonus points after spending $4,000 ... A balance transfer fee is a fee the credit card company charges for transferring a balance. This fee can be a percentage of the balance transferred. Or you may pay a flat fee. Typical balance...Tell him to apply for the Citi Diamond Preferred card. It has 0% APR on purchases and balance transfers for 21 months! My Cards: 1FBUSA $2,900 (survived BK7 and is my oldest account!), Fingerhut $1,100, CreditOne $900, Ollo Rewards $2,500, LendUp Arrow card $2,000, CapitalOne Platinum $3,000.Chase Balance Transfer/Convenience Checks. They keep sending me these in the mail about once a month, not sure why. I've considered using them a few times, but I don't like some of the terms and I don't have a balance anywhere the incurs interest.. Are you getting them? Chase Login Balance Transfer LoginAsk is here to help you access Chase Login Balance Transfer quickly and handle each specific case you encounter. Furthermore, you can find the “Troubleshooting Login Issues” section which can answer your unresolved problems and equip you with a lot of relevant information. The offer: 0% introductory APR for 15 months after account opening on purchases and qualifying balance transfers, then a 17.24%, 22.24%, or 27.24% variable APR. Balance transfers made within 120 days qualify for the introductory rate and fee of 3%, then a balance transfer fee of up to 5% applies (with a $5 minimum in both cases). obd1 to obd2 adapter xa