Best Balance Transfer card with Highest possible Credit limit on approval?

[RandomSpirit]

What is the best balance transfer card (preferably with no transfer fee)?  

I am trying to assist a friend who is trying to pay down about 15k in 2yrs or less. 

Credit score is 711( from Cap1Fico).

2 inquiries (10/2013 & 04/2014) in the last 5 years.

AAoA is  6.6 years

Overall util  25-30%  

[Anonymous]

One option is to see if there's a BT offer on an existing credit card. My boss got an offer for a 15 mo. 0% APR balance transfer on her Bank of America card (she's had it for years) and took it to move $18k to 0% off of Citi.

The Chase Slate is one of - if not the - best balance transfer cards there is. 0% APR for 15 months and $0 BT fee if done within first 60 days of opening the account. The $0 fee is key here, as the fee is typically 3% (on $15,000 that's $450.... more debt).

The Slate, from what I've seen, doesn't typically come with huge initial CLs, but high limits aren't unheard of.

P.S. - That Cap1 score isn't a FICO (it's not even close, unfortunately/fortunately), so finding her actual FICO will be more helpful.

[Scupra]

Barclay may be an option, not sure where her CC debt is held at.. SL is going to be dependent of credit file and income though

[Anonymous]

Bank of America and Discover have balance transfer offers all the time...

[Kostya1992]

Slate just call them and say you want 15 grand, they will counter with a slightly lower number.

[Anonymous]

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@Kostya1992 wrote:

Slate just call them and say you want 15 grand, they will counter with a slightly lower number.

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Yeah you'll probably get countered $14,999.00 and you can counter back at $14,999.50 and they should accept 

[chalupaman]

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@RandomSpirit wrote:

What is the best balance transfer card (preferably with no transfer fee)?  

I am trying to assist a friend who is trying to pay down about 15k in 2yrs or less. 

Credit score is 711( from Cap1Fico).

2 inquiries (10/2013 & 04/2014) in the last 5 years.

AAoA is  6.6 years

Overall util  25-30%  

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Credit unions tend to offer those kinds of cards. Maybe look into one of those.

[baller4life]

I agree with CUs. Maybe NASA or Penfed.

[Anonymous]

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@Anonymous wrote:

One option is to see if there's a BT offer on an existing credit card. My boss got an offer for a 15 mo. 0% APR balance transfer on her Bank of America card (she's had it for years) and took it to move $18k to 0% off of Citi.

The Chase Slate is one of - if not the - best balance transfer cards there is. 0% APR for 15 months and $0 BT fee if done within first 60 days of opening the account. The $0 fee is key here, as the fee is typically 3% (on $15,000 that's $450.... more debt).

The Slate, from what I've seen, doesn't typically come with huge initial CLs, but high limits aren't unheard of.

P.S. - That Cap1 score isn't a FICO (it's not even close, unfortunately/fortunately), so finding her actual FICO will be more helpful.

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+1 to everything jdt said - the good news (maybe) is that cap1 has always been way low for me. it's always 30 or so points below my real fico scores. not sure if it's the same with everyone, but it can differ a lot. i got a barclay nfl card a few months ago, which had 0% for i think 15 months. good because i knew it would hit TU, and i just had hit ex 3 times. also was approved for 5k with a score right around 685, so decent enough SL. got a 100 dollar offer for 500 in spend too.

cap 1 also has the platinum prestige, which is good because you can check their prequal site for a pretty reliable predictor before applying.

also, the sportman's guide visa has 0% as well (12 months i think), but you can't get them without a HP anymore I hear.

those are the one i have experience with, but chase slate, freedom and dicover it are also good ones it seems

[Mellon]

If they are eligible for NFCU, they would be a great option as they do BT at 0% and no BT fee usually for 12 months