Credit Cards Center Credit cards from our partners
Reply
New Visitor
Posts: 3
Registered: ‎12-27-2012
0

Re: Balance Transfer Card


tennisfan78 wrote:

Wow, Congrats!!! Thats awesome. Did they tell you your credit scores?


Thanks! Citi approved online, so no clue. And talking to the Discover credit analyst(?), I was too nervous initially and too excited afterward to remember to ask the score and which report they were looking at.

 

I did, however, look at my EQ FICO (via the free 10-day Scorewatch trial) and get my EQ report right before applying. It was 755 and good enough that I felt more confident about just trying my luck online. My initial plan was to apply on the phone or in person in case I needed to make a better case for myself as a grad student on the lower levels of the income totem pole.

 

I also found helpful Credit Karma's stats on the various cards I was interested in. I had a better idea of the range of credit scores the companies would approve and the initial credit limits they allow. For some cards like the Chase Freedom, the site graphs the average scores approved over time and the data are recent. (Is it bad form to be talking about another site?)

 

(By the way, I'm the original poster QCFB; I registered anew since I couldn't remember what login details I used previously.)

 

New Visitor
Posts: 3
Registered: ‎12-27-2012
0

Re: Balance Transfer Card-Citi, Slate, or Discover?


rudy0720 wrote:

Citi Simplicity has longest BT terms at 0% for 18 months but does have 3% BT fee


Yes, that's why I have my fingers crossed for the Freedom card. Given the amount I'm transferring, the $100 cash back should be enough to pay for the 3% BT fee. That, along with the possibility of earning rewards over the long haul, is why I opted to apply for the Freedom over Slate, even though the latter charges no fee for transfers made in the first 60 days.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.