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BT card easiest to obtain

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oracles
Valued Contributor

BT card easiest to obtain

Hey guys

 

What card do you think that has a 0% BT for xx months is easiest to get? For those who may not have read in earlier post, i have a clean record, fico around 720, just very high util% because of medical bills i had to pay for with my mother.

 

I wanted to try to apply for a 0% card for BT and see if i can take advantage of their offer but i know it will be somewhat difficult to get due to my util%.

 

Thanks

Message 1 of 4
3 REPLIES 3
oracles
Valued Contributor

Re: BT card easiest to obtain

Message 2 of 4
FrugalRican
Blogger

Re: BT card easiest to obtain

With a 720 (If FICO), you might be able to get a Discover.

I had 4.7K+ that I wanted to transfer from my BoA, so I applied for the BT while doing the CC application and was approved for 6K and the 18 month, 0% offer.

But Discover pulled my EQ FICO at 760. I had pulled my own FICO here at 743.

 

I applied after having heard that applying for a BT while the CC application might help you get a higher balance.

 

That's my experience.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Message 3 of 4
swsop12
Established Member

Re: BT card easiest to obtain

I got Discover More and Citi Thank You, each with balance transfers and FICOs just a touch under 700.

EQ - 793 (7-15-13), TU - ???, EX - 785 (7-15-12, lender pull)
Message 4 of 4
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