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Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012
0

Re: Best Balance Transfer Card


Duncanrr wrote:

There are some good numbers in the sticky threads on this board for backdoor recons.  Call them in morning and follow-up.  You could try no but its late.  (Also, tomorrow if federal holiday so not sure if they will be there.)


Alright, I will hopefully have time to conference call them Tuesday with her.

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Valued Contributor
Duncanrr
Posts: 2,843
Registered: ‎06-08-2012
0

Re: Best Balance Transfer Card

Good luck. Be honest, feed their ego by saving why u want the card and why it's a good fit. And be prepared to discuss any negatives on credit report. I did this Chase for freedom card and was approved.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012
0

Re: Best Balance Transfer Card

[ Edited ]

Duncanrr wrote:
Good luck. Be honest, feed their ego by saving why u want the card and why it's a good fit. And be prepared to discuss any negatives on credit report. I did this Chase for freedom card and was approved.

According to credit karma (with her permission) she has no deragetory marks, a 99% on time payment history 260/263, 33% utilization 5.4k/16.4k, AAoA 3 years 7 months oldest 7 years, 21 accounts, 2 Hp's last 2 years, 712 FAKO. So I hope all goes well for her. She needs to be approved for a good limit, which may be a problem because she has a low income of 27.6k.

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Valued Contributor
maiden_girl
Posts: 2,106
Registered: ‎12-29-2011
0

Re: Best Balance Transfer Card

Putting in my two cents here but I think the AMEX Clear is a decent BT card. It has no annual fees, no BT fees, no late fees, no over-limit fees, and no cash advance fees. AMEX currently has a 12 month 0% APR promo going on for that card. Not a lot of time to pay off a balance but it would give you some time to pay your balance down without extra fees and maybe transfer it elsewhere when the promotion completes if you're still paying on it.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Best Balance Transfer Card

I like Freedom, but Slate is the only card I know of w no bt fee.

I have both Slate and Freedom btw hahaha!!!!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012
0

Re: Best Balance Transfer Card

[ Edited ]

She got approved for the Slate with a $5k limit and has completed the transfers. Lets hope she gets her debt paid down some and just doesn't use this as an opportunity to rack up more debt.

 

She didn't get the instant approval because she already had the card and didn't know it. Apparently several years back she had WAMU so they must have ported her over to the slate, it only had an $800 limit. They just closed out that account and asked us what limit we wanted. We said $5k would be good and they said okay, was that easy. All the promotions were given.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%

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