10-30-2012 08:52 PM - edited 10-31-2012 08:05 PM
I have some credit cards that I need to consolidate into a BT.
My scores are TU 665 EX 680 & EQ 660. All Fico except EX. That's discover.
I need to BT about $3000. My highest limit on my cards are $1500. I have 1 year aaoa.
I have 10 inquiries 75% of them are auto.
Most recent inquiry was in June.
Do u think I have any chance of getting a BT card & who should I try to apply with?
Any advice would be wonderful
10-30-2012 11:37 PM - edited 10-30-2012 11:38 PM
chase slate has no bt fee and 0% for 15 months, doesn't hurt to try
+1 best BT card at the moment
Go for Chase Slate.
You will likely need to recon and explain the auto INQ's
10-31-2012 12:19 AM
I already have a freedom, would that increase or decrease my chances? My current UTI is 34% with my debt to income ratio being 7%
As long as you have been a good customer I don’t think it would lower your odds of getting it. I say this because I’m now on my 5th Amex. If you want that card you should be good.
10-31-2012 05:55 AM - edited 10-31-2012 05:57 AM
Try AMEX Clear too. They have no BT transfer fees as well. Not sure what your credit needs to look like to get approved for one of these cards tho.
Also, to the OP, you can not BT a card balance with the same bank. You can't take a balance from Freedom to Slate. You would have to take your balance to another bank altogether. Just an FYI.
10-31-2012 06:52 AM
10-31-2012 07:04 AM - edited 10-31-2012 07:06 AM
Wait... Does Amex Clear have a 0% bt option?!!!
Plus the flexibility to pay over time.
No annual fee, no late fees, no balance transfer fees, no overlimitfees, and no cash advance fees.
10-31-2012 07:52 AM
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.