@Anonymous wrote:
Thanks everyone. No, I refuse to waste any more hard pulls this year. I want a mortgage loan at the end of the year. I called cap1 yesterday and they were only able to do the 7 month thing on ONE card. I did apply for a credit union 9.9% card--but it's not enough to cover all three balances for a balance transfer.
Anyway, thanks for all the responses!
That's your problem. If you have credit card balances, card issuers know you are a higher risk and will give you high APRs. Also they will make a lot more money off you. Balance transfers are also a high measure of risk. Also only a couple of their cards have a variable APR less than 20%. Most of their cards are currently fixed at 22-25% APR.
