No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Anyone have any sugestions on a card with a good transfer opportunity?
Im looking to completly take my balances off my two Cap One cards which both have an APR right now of 20.00.
AEO Visa-2500
TJX-600
Nordstroms-500
Target-500
Discover-500
Amex Gold- No Limit
Amex Everyday-1000
Cap One Quicksilver Visa- 1750
Quicksilver MC-2000
Utilization:40%
Fico:641 Transunion: 643 Equiax:653
At your current scores and utilization percentage you're going to have a tough time getting an approval with a high enough limit to do it.
I see this thread is a month old, but it stops me from making a new one. Can someone explain how this balance transferring works? Because I certainly want to rid myself of the two First Premier cards.
@Anonymous wrote:I see this thread is a month old, but it stops me from making a new one. Can someone explain how this balance transferring works? Because I certainly want to rid myself of the two First Premier cards.
I'm sure there are many threads on here regarding the benefits of BTs. In short, you "transfer" your "balance" from a high interest card (or one that is close to being maxed) onto a card that has an introductory offer of say 12,15 or 18 months no interest. The company/bank of the CC that the balance is going onto will send a wire or check to the CC that is being paid off and it will just look like a payment to them. Usually in order to quality for these cards and intro rates, one must have a fairly decent credit profile with little to no baddies.
Well that sounds like a balance transfer is in my near future. Just need to find the card that will do it.