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Frequent Contributor
RW771
Posts: 311
Registered: ‎08-16-2011
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Best BT card recommendations???

I've been looking at the Citi Diamond Preferred or the Citi Simplicity...is one tougher to qualify for than the other? I can't seem to find what their requirements are before taking the plunge and app'ing.

 

Any other cards you'd suggest?

05/31/2013 672 EQ (Fico), 03/08/2012 697 TU (Fico)

Closed on my first home 12/07/11! Officially a homeowner, thanks to this forum!!!

Valued Contributor
Dustink
Posts: 2,997
Registered: ‎10-02-2012
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Re: Best BT card recommendations???

Chase slate...no fee

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k          $8.5K          Closed          $19k         $6.5k           $24.2k        Closed          $5k         Closed       $8.5k        Closed      @2.49%
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somnipotent
Posts: 367
Registered: ‎06-02-2008
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Re: Best BT card recommendations???

+1 for Slate.  I've been eyeing that and the Freedom for some time.


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melbaro
Posts: 89
Registered: ‎08-03-2012
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Re: Best BT card recommendations???


Dustink wrote:

Chase slate...no fee


+1

Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
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Re: Best BT card recommendations???


RW771 wrote:

I've been looking at the Citi Diamond Preferred or the Citi Simplicity...is one tougher to qualify for than the other? I can't seem to find what their requirements are before taking the plunge and app'ing.

 

Any other cards you'd suggest?


try whogavemecredit.com

 

They can give you a list of who gave who credit....


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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MyFICO Fitness Goal: 800s Club!



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Valued Contributor
Dustink
Posts: 2,997
Registered: ‎10-02-2012
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Re: Best BT card recommendations???


Omaplatypus wrote:

+1 for Slate.  I've been eyeing that and the Freedom for some time.


The freedom has BT fee's while the slate does not.

 

Get the slate for the BT and get a separate card for rewards.

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k          $8.5K          Closed          $19k         $6.5k           $24.2k        Closed          $5k         Closed       $8.5k        Closed      @2.49%
Frequent Contributor
RW771
Posts: 311
Registered: ‎08-16-2011
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Re: Best BT card recommendations???


Dustink wrote:

Chase slate...no fee


I thought about that one too...dang. I went ahead and applied online for the Chase Simplicity and was denied...even called the backdoor number and told I was denied :smileysad:

 

I want to try with Chase since I already have the Freedom card but scared I might get denied again? Are they easier to get approved through than Citi? I guess I thought since I have a HD card (backed by Citi) with a 3K limit that I might have a chance with getting approved. I know that's just 1 denial, I don't want to go app crazy but don't want to give up just after this one either ( I know Citi is a tough one).

05/31/2013 672 EQ (Fico), 03/08/2012 697 TU (Fico)

Closed on my first home 12/07/11! Officially a homeowner, thanks to this forum!!!

Frequent Contributor
RW771
Posts: 311
Registered: ‎08-16-2011
0

Re: Best BT card recommendations???

[ Edited ]

Oh yea...and I forgot to mention I HATE EX. I realllly hate the fact that you don't truly know where you stand with them either until you have to apply for credit like you can with TU & EQ.

 

Edited to fix typo.

05/31/2013 672 EQ (Fico), 03/08/2012 697 TU (Fico)

Closed on my first home 12/07/11! Officially a homeowner, thanks to this forum!!!

Valued Contributor
RyVision
Posts: 1,346
Registered: ‎04-15-2011
0

Re: Best BT card recommendations???

Personally if someone can get it, I'd suggest NFCU (any of their cards, usually the Platinum gives good limits I guess), they offer a 0% no fee BT deal around the holidays usually.  

 

Other one that comes to mind is Discover, usually they offer 18 months (or 15, I'd have to check) but with a fee.  I think they're easier to get as well as deal with than Chase or Citi.

Frequent Contributor
RW771
Posts: 311
Registered: ‎08-16-2011
0

Re: Best BT card recommendations???


RyVision wrote:

Personally if someone can get it, I'd suggest NFCU (any of their cards, usually the Platinum gives good limits I guess), they offer a 0% no fee BT deal around the holidays usually.  

 

Other one that comes to mind is Discover, usually they offer 18 months (or 15, I'd have to check) but with a fee.  I think they're easier to get as well as deal with than Chase or Citi.


Can anyone become a member of NFCU or do you have to be former/active military?? I'm scared to try Discover either...worried it will be another denial :smileysad:

I literally lost sleep over getting denied for the Citi Simplicity...not sure why it's bothering me so bad but I have got to find a way to transfer some of these balances! I'm itching to try for the Chase Slate...does anyone know which CRB Chase pulls here for TX? Since I have their Freedom card, I'm thinking maybe they'll be willing to work with me better than Citi? My EQ as of yesterday was 661. Not sure where I stand with EX or TU except EQ is usually my lowest of the 3. My util is at 55% (which I can pay way down once I transfer these high interest cards).

 

Please help! Should I app for the Chase Slate or any other suggestions?

05/31/2013 672 EQ (Fico), 03/08/2012 697 TU (Fico)

Closed on my first home 12/07/11! Officially a homeowner, thanks to this forum!!!


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