Balance Transfer Help

[rhowar2199]

Please help me: I need help with a few accounts and is not sure how to handle my accounts in general currently I have 4 accounts that are all been in good standings, the accounts are: 

Orchard Bank $0.00 BAL        (Credit Limit)  $400.00

Capital One    $0.00 BAL        (Credit Limit) $1000.00

Care Credit     $0.00 BAL        (Credit Limit) $3000.00

Citi Health       $1565.00 BAL (Credit Limit) $2000.00

Now the main Question is will it benefit me to transfer some of my balance from Citi Health over to the Capital One card, the main gold is to try and increase my credit score more because it is currently not moving at all. I only have Equifax and that score is at 651 ... Please help me with any advise that you all have... Thanks again

[myjourney]

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@rhowar2199 wrote:

Please help me: I need help with a few accounts and is not sure how to handle my accounts in general currently I have 4 accounts that are all been in good standings, the accounts are: 

Orchard Bank $0.00 BAL        (Credit Limit)  $400.00

Capital One    $0.00 BAL        (Credit Limit) $1000.00

Care Credit     $0.00 BAL        (Credit Limit) $3000.00

Citi Health       $1565.00 BAL (Credit Limit) $2000.00

Now the main Question is will it benefit me to transfer some of my balance from Citi Health over to the Capital One card, the main gold is to try and increase my credit score more because it is currently not moving at all. I only have Equifax and that score is at 651 ... Please help me with any advise that you all have... Thanks again

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What are the int% rates on each card?

Do any have 0% until?

Or are you planning to app a balance transfer card?

[rhowar2199]

The intl Apr for the Orchard bank card is at 23% the utl is 0%

              Apr for the Capital one is 15% the utl is 0%

              Apr for the Care credit is   18% the utl is 0% (but this is only a medical card and they will not allow me to transfer citi health card to them)

              Apr for the Citi health is 18%    the utl is 78%

I honestly dont want to apply for a bal transfer card and wanted to just add some of the balance over to capital but is not sure if that would help me

[myjourney]

1 By the time you pay the bal trans fee its really not worth it IMO

2 You may as well leave it were it is rather than max out 2 cards

3 Can you pay larger amounts over the next 3 months to get the balance lower?

[SRAGS]

Rather transferring balance to another card, I would suggest to pay in installments... before statement or after the statement.. That makes huge difference in credit score. you may reach 675 around that level.

[rhowar2199]

yeah I can make larger payments just wanted to get a higher credit score and was thinking that might help but it seems like the only that is going to help is just to pay down the balance and not even transfer anything... Thanks for the advise

[myjourney]

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@rhowar2199 wrote:

yeah I can make larger payments just wanted to get a higher credit score and was thinking that might help but it seems like the only that is going to help is just to pay down the balance and not even transfer anything... Thanks for the advise

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By paying it down you should see score increases

Good luck

[rhowar2199]

TY