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Balance Transfer to Gold Delta SkyMiles Credit Card Gold Delta SkyMiles® Credit Card


Gold Delta SkyMiles Credit Card
Intro APR: 9.99%+prime

 Issuer: American Express

Your next vacation is closer than you think.



  • Get 10,000 Bonus SkyMiles® with your first purchase. 1
  • Earn Always Double Miles® on Delta purchases, at supermarkets, drugstores, gas stations, home improvement stores, the US Postal Service - even on your wireless phone bill payments. 2
  • Earn one SkyMile for every other eligible dollar you charge.
Enjoy added convenience, security, and savings.
  • Your frequent flyer number is conveniently printed on your Card.
  • Shopping security with Purchase Protection 3 and Buyer's Assurance. 4
Get where you want to go sooner.
  • No blackout dates
  • SkyMiles never expire 5
  • Choose from over 400 Delta award destinations worldwide.
1. 10,000 SkyMiles will be awarded after you use your Card for the first time. Please allow 6-8 weeks after you make your first purchase with the Card. This offer is valid for first-time Delta SkyMiles Cardmembers only. You may be permitted to have more than one Delta SkyMiles Credit Card Account, however you are eligible to receive welcome bonus miles for only one Card Account.

2. Offer applies at qualifying stand-alone supermarkets, drugstores, gas stations, home improvement and hardware stores, and the U.S. Postal Service. Not valid in the departments of superstores or warehouse clubs. American Express® Cards are not currently accepted for bulk mail. Offer applies for wireless phone bill payments only. To pay your wireless phone bill automatically using your Delta SkyMiles Credit Card, please call your wireless service provider. Offer applies to qualifying Delta or Delta Connection® flights taken with the purchase of a fare that is eligible for frequent flyer mileage credit. Offer applies to Delta Vacations® packages but not other all-inclusive packages.In each year of Cardmembership, your miles are limited to $60,000 of eligible spending ($100,000 for Gold Delta SkyMiles Cardmembers, unlimited for Platinum Delta SkyMiles Cardmembers), not including bonuses. However, one mile for each U.S. dollar of eligible spending on Delta charges will be awarded aboe this limit. Bonus miles will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month.

3. The Buyer's Assurance Plan coverage is limited to eligible products costing $10,000 or less, excluding taxes, up to $50,000 per Cardmember account per policy year. Underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the terms, conditions, and exclusions of Policy AX0953.

4. The Purchase Protection Plan covers items purchased with the Card for 90 days from the date of purchase, up to $1,000 per occurrence, $50,000 per Cardmember per policy year, in excess of other applicable insurance. For more details or to file a claim, call 1-800-322-1277. Underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the terms, conditions, and exclusions of Policy AX0951.

5. Mileage will not expire as long as members participate every three years in one of the following: travel on a qualifying Delta, Delta Connection, Delta Shuttle flight, redeem miles for a SkyMiles Award, or accrue miles with one of the SkyMiles program partners, including the Delta SkyMiles Credit Card.





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Apply for Gold Delta SkyMiles® Credit Card

It may sound strange but if you are in debt because you inadvertently charged every single purchase you have made in the past year to your credit card, and yet only manage to pay the minimum - you can actually get out of the vicious cycle by getting another card and then transfer your balances. Confused? Lost? Not sure how that is so? Well, here’s how it works.

When you have a credit card, you are not required to pay any interest if you pay for all your purchases in full on your due date. If you pay only the minimum amount, and then use your credit card for additional purchases, the bank will see this not as an “advance” but more like a loan. Thus, they will charge you interest for your past purchase as well as your new purchases and this interest will be reflected on your next statement. If, again, you choose to pay the minimum and then use your credit card to make another purchase, you will, once again be charged interest (on top of the interest previously given) and then the cycle will repeat itself. It will keep repeating itself until you either stop using the card or settle the outstanding amount in full.

If you have found yourself trapped in this cycle and want to get out of it so you can gradually pay yourself out of debt, but don’t have enough money to pay for the outstanding amount in full, then securing another card and applying for “balance transfer” may be the solution to your problems.

Every card company has a “balance transfer” offer which you can avail of. In this option, the new card company will shoulder the full balance of your previous card which you are to settle in a pre-determined length of time. As a reward for choosing their service over the others, the card you have chosen may give you a break by either charging you a lower interest rate on the full amount, or none at all. The individual offers and benefits derived from balance transfers vary from provider to provider. To know more about the differences between every balance transfer offer and to compare each one properly, you can simply log on to credit-card related websites and review the information posted therein.

There are several sites found on the internet that provide consumers with a comprehensive listing of the services of credit card companies. These sites usually have an image of the credit card being evaluated on one side, and the benefits, promotions and services one can expect from these cards are listed in bullet points either beside or below the image. This precise and clutter free layout is indeed, very advantageous as visitors can just skim through the information and immediately pick up what’s important and what’s not. By going through these websites, selecting and applying for a credit card becomes easier and hassle-free.

So if you’re tired of being in the credit card cycle, go to a website that evaluates credit cards and find one that suit your finances. After you click on apply, you’re already one step closer to a debt free existence.


  • Transfer your balance to Gold Delta SkyMiles® Credit Card

  • Overview

    The Cyprus Property Market

    Cyprus is one of the more popular real estate markets in the world. Activity in the real estate market in Cyprus is brisk, including foreign nationals who buy and sell real estate Non-Cypriots have been involved in all areas of the real estate market. Foreign nationals have been found to invest in commercial, investment and residential real estate in all areas of the country.

    Most industry experts maintain that the real estate market in Cyprus should continue to do a brisk business well into the coming decade. With the entry of Cyprus into the European Union, more and more foreign nationals from EU member states likely will become involved in the Cypriot real estate market.

    There are no prohibitions on foreign nationals purchasing real estate in Cyprus. However, and as will be discussed in greater detail shortly, a foreign national must obtain prior permission from a Cypriot governmental agency in advance of making the purchase of real estate in that country. Generally speaking, this approval is relatively easy to obtain -- although the process of obtaining the permission can be rather time consuming

    Investment Property in Cyprus

    One of the primary areas that foreign nationals have become involved when it comes to real estate investment in Cyprus is in the resort and vacation property arena. Cyprus remains a very popular destination for people on holiday. As a result, foreign nationals have taken to buying apartments, single family residences and hotel properties which in turn are utilized by men and women on holiday.

    Over the course of the past decade, a number of foreign nationals have profited dearly through investments in real estate used for vacation or holiday purposes in Cyprus. Indeed, because this type of venture has proven so profitable for some foreign nationals, these men and women have taken to purchasing and investing in multiple property holdings in Cyprus. Again, and has been noted, this is particular true in the area of investment in properties that are intended to be used for vacation or holiday purposes.

    Residential Real Estate in Cyprus - Single Family Properties

    A significant number of foreign nationals have established second homes and vacation residences in Cyprus over the course of the past thirty years. The trend towards purchasing second residences and holiday homes in Cyprus continues on to this day.

    One of the more recent occurrences in regard to holiday or vacation homes in Cyprus involves the creation of significant developments that are designed exclusively for people who want gracious residences on Cyprus. These developments in many instances are taking the form of gated communities for the security conscious foreign national who wants to idle away part of the year in Cyprus.

    In addition, some foreign nationals have determined the benefit of purchasing older residences in the country and embarking on improvement and remodeling campaigns to bring them up to date. In some instances, these men and women are rehabbing properties and putting them back on the market -- making nice profits in the process.

    Residential Real Estate in Cyprus - Apartments

    The Cypriot apartment market is bustling in the 21st century. With Cyprus movement into the EU, a significant number of foreign nationals from other EU nations are finding themselves in the country with some degree of regularity. In this regard, many of these business men and women have turned to spending a significant amount of time in Cyprus each and every year. Rather than hole up in a hotel, these men and women have taken to purchasing apartments in Cyprus.

    Some of these business minded people have gone so far as to rent or lease out their apartment properties when they are not in the country on business -- making their apartments an income generating enterprise.

    In some resort communities, men and women from foreign countries have purchased apartments for vacation and holiday purposes. There is a wide range of different types of apartments of available for sale in resort areas in Cyprus.

    Holiday Property in Cyprus

    As referenced previously, vacation real estate sales in Cyprus is brisk business in the 21st century. One area in which foreign nationals have been active in the market is the purchase and ownership of single family, free standing residences on the island. These types of residences generally do come with some fairly hefty price tags.

    In addition to larger residences that are being purchased with regularity by foreign nationals, many foreign nationals have taken to purchasing holiday apartments in the country. In some instances, these foreign nationals have turned these types of property into something of a lucrative investment. For example, when they are not in residence in Cyprus, these men and woman are turning around and leasing out these holiday residences to other individuals -- including many foreign nationals -- who then use these residences for their own holiday purposes

    Specific steps to buying real estate property in Cyprus

    The initial step that a foreign national must take before he or she can purchase real estate in Cyprus is obtaining approval from the government. Specifically, a foreign national must require permission to purchase real estate in the country from the Council of Ministers. A would-be purchaser of real estate in Cyprus needs to keep in mind that the process of obtaining approval from the Council of Ministers can take from between eight to fourteen months. A would-be purchaser also needs to appreciate that if he or she makes the purchase of real estate without the prior approval of the Council of Ministers, a title deed will not be able to issue transferring ownership of the real estate to the foreign national.

    While the process of obtaining permission from the Council of Ministers is not a matter of overnight approval, the process itself is not difficult. The Council has taken steps to make the process as easy as possible for a foreign national seeking to purchase real estate in Cyprus. Time consuming in some ways, the application and approval process is not difficult to maneuver through.

    Once approval is obtained from the Council of Ministers, the next step in buying real estate in the country -- once a piece of real estate has been identified for purchase -- is signing of the preliminary contract. At the time this agreement is executed, a holding deposit is posted with either a lawyer or a notary.

    When the holding deposit is paid, a companion reservation deposit agreement also is executed. In point of fact, it is the deposit and this secondary agreement. The property is then taking off the market and remains in that position for the time spelled out in these agreements. Provided that the terms of the preliminary agreement are satisfied, the property will not return to the marketplace.

    The deposit that is lodged in Cyprus normally is as low as 1%. The parties can negotiate a particular deposit amount -- but, in most instances, the standard deposit is in the amount of 1% of the overall purchase price of the real estate that is being sold. The remaining balance due and owing on the overall purchase price will then be due and owing at the time of the execution of the final contract, which will be discussed shortly.

    During the period of time that follows the execution of the initial, preliminary agreement, the lawyer who has been appointed to oversee the transaction will investigate the status of the title the real estate through the District Land Registry Office.

    Following this period of investigation into the status of the title, and provided that the buyer has obtained appropriate financing, the parties move onward to the execution of a final contract. It is at this juncture that the closing of the real estate transaction in Cyprus becomes rather complex when contrasted with what occurs in many other countries around the world.

    When the final contract is signed by the parties, the contract itself is filed with the Land Registry Office to prevent the same piece of real estate from being sold a second time. An application is then made to the Central Bank of Cyprus to approve the transfer of funds for the purchase of the real estate. (This approval is not necessary if both the seller and buyer happen to be foreign nationals. However, it is required if at least one party to the transaction is a Cypriot.)

    The title will be transferred to the buyer at this juncture and the buyer will be entitled to possession the real estate. It is important to note that if the real estate is newly developed, the title itself will not issue for upwards to three years after the signing of the final contract. With that said, the buyer is protected because of the filing of the final contract with the District Land Registry Office.

    There will be some different taxes due and owing -- and paid by the purchaser -- after the signing of the final contract. However, these taxes are not particularly costly or significant.

    Property Abroad always recommends using a Solicitor or Lawyer


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