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Regular Contributor
Posts: 120
Registered: ‎01-22-2013
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Best Balance transfer card 670 score

HI,I am looking to give Cap1 the axe since their current interest is 22% (got the card 2 years ago when I started rebuilding,but just got serious about it a year ago).which cards can any member recommend? the likelihood of approval with my current score. And what CRA would it pull? By the way the balance is $700.
Thank you.



8/1/13 EQ 694 - (myfico) -
7/26/13 EQ 694 - (DCU)
9/10 EQ 701 - (myfico)

9/8 - EX 707 (usaa/EX)

6/18 TU 690 (myfico)
7/2 TU 694 (Walmart)
8/8 TU 676 (Walmart)
9/6 TU 676 (Walmart)
Established Contributor
Posts: 937
Registered: ‎10-15-2012
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Re: Best Balance transfer card 670 score

I'd say Chase Slate. They have no BT fee if you transfer in the 1st 60 days, 3% afterwards. They've been sending me mailers and I'm not at 670 yet. I think Chase mostly pulls TU or EQ.

Starting Score: 515
Current Score: EQ08 711 EX08 731 TU08 735
Goal Score: 740+

Amex BCP $25k | Discover IT $15.7k | Cap 1 QS $10k | PSECU $10k | Citi DC $9300 | Citi DP $6800 | Barclay Ring $6500 | PayPal Extras MC $5045 | DCU $5000 | Chase Slate $5000 | Barclays AA $4100 | Chase Freedom $4000 | Union Plus $1000 | Target $500
Super Contributor
Posts: 31,000
Registered: ‎02-07-2013
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Re: Best Balance transfer card 670 score

Citi Simplicity® Card

  • Click "APPLY HERE" to apply online or call 800-278-1449
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees, no penalty rate and no annual fee - ever.
  • Save time when you call with fast, personal help, 24 hours a day.

NFL Extra Points Credit Card


  • All 32 teams and NFL Shield card available
  • 0% Intro APR on balance transfers and purchases for the first 12 months after account opening, after that a variable APR currently 13.74% to 22.74% depending upon your creditworthiness
  • One-time bonus of 10,000 points after first use on the card, equal to $100 cash back statement credit
  • Earn 2 points for every $1 spent on NFL or team purchases - 1 point for all other purchases
  • No cap on points earned and points never expire
  • Redeem points for merchandise, once-in-a-lifetime experiences, game tickets, or 1% cash back statement credits
  • 20% off every purchase at - that's $20 off every $100 you spend

Pulls TU have aslo seen same offer for $400 statement credit


Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

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‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

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