I've never had a credit card before and only plan to use it on to pay off a mortgage. Which of these 3 looks best?

[FunkyMonkee]

All 3 are no APR for 21 months but the first of the three has the lowest rate.
Info on A. 0%, 21 billing cycles for any balance transfers made in the first 60 days
14.99% - 25.99% Variable
New! 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 14.99% - 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
No annual fee.
No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Info on B. 0%, 21 months from date of account opening
16.49% - 27.24% (Variable)
After that the variable APR will be 16.49% - 27.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
No Annual Fee - our low intro rates and all the benefits don't come with a yearly charge.
Buy now and pay later. Split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay.
Get free access to your FICO® Score online.

Info on C. 17.49%, 23.99%, or 28.24% Variable APR
Up to $600 cell phone protection (subject to a $25 deductible) against covered damage or theft when you pay your monthly cell phone bill with your card
$0 annual fee.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants.

BankAmericard® credit card

Citi® Diamond Preferred® Card

Wells Fargo Reflect® Card

[InknKink]

You want to use a credit card to pay a mortgage? I'm no expert but I don't believe you can do a balance transfer from a mortgage nor will your mortgage lender accept credit cards to make mortgage payments.

That would be trading secured debt for unsecured debt. It would increase lending risk and companies do their best to mitigate risks which is shown in interest rates.

And lets say you theoretically could use credit cards in such a way... then you're of course going to be responsible for continuing your mortgage payments on top of your minimum payments on your credit card.

Honestly... just no. Don't do it. It's not worth it.

Proper use of a credit card is to use it for everyday expenses that you'd already be making (groceries, gas, etc) and pay it off in full before the interest in incurred. And unknown to many credit card holders, that is often a 21day interval and not always "monthly".

Use credit cards to build credit for increasing lines of credit and getting loan approvals at favourable rates. You don't use credit cards to carry high balances or as a means of holding debt.

Anything else is a recipe for disaster.

[NaultD]

It's good to get a credit card at 18 as the base line of credit history. Then the order of operation is minimal due payments and then highest intrest rate.

Credit cards will eat you up alive so whatever bounce you get is created by your fellow card holders being eaten alive. If you can make it work for you go for it but know your potentially getting chewed up for someone else's benefits.

You also can't use credit to pay a morgage. Generally morgage intrest rates are the lowest rates so you'd never want to borrow with a higher riskier card. Though your parents probably had mortgage rates as high as today's credit card.

[sage2021]

If you are late past the due date on your monthly bill, your interest rate will turn really really high.

[FunkyMonkee]

I know, that's why I wouldn't let it get that bad.

[sage2021]

Thank you for the MHO 🙂🧡

[darkcloud1945]

Looks like an advertisement for loan companies. One mistake using a credit card to pay off mortgage may cause unknown problems if you miss payments you are involving two different lenders and even a remote possibility of losing your house or whatever the mortgage was for. Remember banks are not your friend!

[FunkyMonkee]

If the card would let me, the plan was to just pay off the entire mortgage in one shot and that'll allow me to start saving up money for the next 21 months to start paying back the card.
If I can secure the house, I can start bringing my stuff here from storage and save over $500 a month on that! AND get a job!!!

[darkcloud1945]

Wish you the very best of luck in your venture.

[Alex_Bright]

Do not use a credit card to pay off a mortgage, save up and pay extra on the mortgage if you feel like.
Might sound good at first, but it something goes wrong in your life you'll have massive interest to pay.

[FunkyMonkee]

Wanna loan me the money? I'm sick of the bank threatening to take the house away from me! I'm sick of having to give all my money to the storage unit until I can get this shit sorted out and I'm sick & tired of not having my records, drums and other things here for the past 6 years, now!! I want my life back!!!

[Cidknee]

I had Bank of America and was a good card until I lost my job and had no income for 3 months then after maxing it out to pay bills and stuff I found a meanial job not paying enough to pay bills and card so now my once 807 credit rating is somewhere around 620.

[RavVid]

If your mortgage is a draw down with interest on the balance you could possibly do some good for yourself shifting a lump of money between loan accounts.

Are you disciplined enough to not live better on more money being available to you?

[DryGermanGuy]

Man, I seriously hope that the banks are protecting you from yourself. But maybe not. 🤦‍♂️

[exitseven]

using a credit card to pay off a mortgage will only get you deeper in debt.

[Dargil]

How much equity do you have in your house?

[FunkyMonkee]

I have no idea. I've never had to deal with any of this before so, I have no clue what equity is.
My stupid aunt got herself involved with LOADS of scammers that took her for at least $11,000,000 and, weeks before she died, she mortgaged the house to give them more money and then left the house to me. The ONLY reason I'm even here and in this mess is because my greedy ex-sisters cheated me out of my parents' house, which mom Willed to me because she didn't want it sold (it's been in the family since 1936) or me tossed to the street!! And, that's EXACTLY what happened!! Also, back when I HAD the money and WANTED to pay off the mortgage, the bank refused it because they wanted MY AUNT'S money, not mine!!! After years of bills and expenses, Ino longer have the money so, NOW they want it!!

[Dargil]

Maybe it's time to disappear.

[In_Trance]

Don't do that