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Hey Every one ! I am new here , looking for an advice .
Recently ( from last 2M) i paid off credit cards because of expiring 0 % APR offer. Now my Util rate reduced from 95 % to 29 % and I am in the need of new credit for balance transfer .
After looking at the few threads here , i short listed the following cards . Can you shed any light on those ? What are the % of chances to get approval for 5 digit CL ?
1. PenFed Amex
2. Discover More
3. NavyFed Visa Signature
or Amex BCE / PNC Flex ?
Any help is much appreciated !
Credit Lines
BOA Visa Platimum -10k (from 2007)
BBT Visa Platinum -10K (from 2008)
BOA AMEX -10 K (from 2011)
Citi Platimum Select -4.4K (from 2011)
Credit Scores
06/07/2012 - EQ FICO : 719
EX FAKO :734 .
Credit Sesame : 745
04/30/2012 - EX :685
No baddies but 3 req ( 1 Auto,2 Credit Approvals and 1 CLI denial in 2011)
Discover More gave me 18 months, 0% with a BT fee of about 3%, I believe.
Excellent customer service. But I made sure to apply and do the BT on the application so they would give me a bigger CL.
My BT was for 4.8K, the CL they gave me was for 6K.
My EQ was a little higher than yours though.
They pulled mine at 760. And no baddies.
Follow my financial journey: http://www.frugalrican.com
FrugalRican ,Thanks for shraring the info. I hope Discover approves one me.
Discover More vs Discover Openroad .Both seems almost same.
Any idea which one might have higher chances to get bigger CL ??
Credit Lines
BOA Visa Platimum -10k (from 2007)
BBT Visa Platinum -10K (from 2008)
BOA AMEX -10 K (from 2011)
Citi Platimum Select -4.4K (from 2011)
Credit Scores
06/07/2012 - EQ FICO : 719
EX FAKO :734 .
Credit Sesame : 745
04/30/2012 - EX :685
No baddies but 3 req ( 1 Auto,2 Credit Approvals and 1 CLI denial in 2011)
Honestly if you can apply with NFCU I would bet that they'll give you a very generous CL. They are among the best when it comes to approvals and giving large credit limits.
okay. Thank you for your reply.
I dont have NFCU account and i am goign to Open one today with Cousin as Sponser .(we live in the same house) .
Is it OK if i open account today and apply for Visa Signature/Rewwards Credit card in 2 days Or Better if i wait a month untill one of my Direct deposit check is deposited? Is depositing $10K into checking helps to get a generous CL ?
FYI : I have W2 in $80K+ from last 2 yerars . Debt -$9K (29 % Util ) ,$20K -Car loan and No mortage.
@Anonymous wrote:okay. Thank you for your reply.
I dont have NFCU account and i am goign to Open one today with Cousin as Sponser .(we live in the same house) .
Is it OK if i open account today and apply for Visa Signature/Rewwards Credit card in 2 days Or Better if i wait a month untill one of my Direct deposit check is deposited? Is depositing $10K into checking helps to get a generous CL ?
FYI : I have W2 in $80K+ from last 2 yerars . Debt -$9K (29 % Util ) ,$20K -Car loan and No mortage.
I don't see any reason why you would need to wait with NFCU. They may not even ask for income verification for a CC ~ at least they didn't for me.