Credit Card Center Advertiser Disclosure†
08-28-2013 06:42 AM
08-28-2013 06:44 AM
08-28-2013 06:51 AM
08-28-2013 06:52 AM
lol. Can we chastise Snack Trader for his hidden chastising thoughts?
|Current: EQ FICO 0, TU FICO 0, EX FICO 0 | Starting Score: 0 (08/21/2013)|
Starting total revolving credit: $0 | Current total revolving credit: $1600.00
Inquiries (12 Months): EQ 3-4 TU Unsure EX Unsure | Most Recent: 8/19/2013
Mechanically Sound Car
|Fifth Third $300|
U.S. Bank Harley Davidson $300
Capital One Platinum $500
2nd Capital One Platinum $500
08-28-2013 06:58 AM
So I'm not planning to open any cards atm, but I have my Freedom and Amex balances (about $10k of cc debt) 0% expiring closer towards the end of this year. I recently paid about $2k against those balances, but I might need a new balance transfer card depending on how much of a dent I can make in that debt.
Obvi if I transfer that much debt, I'll need a moderately high credit line. Scores are all around 700.
So my question is this:
What is the largest balance transfer you've successfully completed?
Who was the credit card issuer?
Did you recon?
This is not an invite for folks to chastise me for my financial decisions. :-)
Any info is appreciated.
I'm in the process of moving ~$2300 from my CSP to my IberiaBank Select for about 6 months. Daughter's car had to have a transmission rebuild done, I told her I'd pay for it if she paid me back. Put it on the CSP for the points and now transferring to IberiaBank for the low interest rate. She'll have it paid off in February when she gets her tax return, but will make payments to me in the meantime. I have an $8K limit on my IberiaBank card, so I'll take a bit of a ding for util, but it's no big deal as I'm not applying for any new credit and it will go back up when it's paid off.
In the past I've moved $2K from one card to another without any problems, usually to a $10K card.
08-28-2013 07:01 AM
08-28-2013 07:07 AM
I wish I had gotten that Clear card before Amex got rid of it! I like the see thru cards. What was your score when they approved you for the Iberia card? I feel like I may not qualify for it with a barely 700 FICO...
They pulled EX and my score at the time was ~747...pretty much where it is now. They didn't require the usual documentation that they request, and I got their best terms. Didn't get the score in a letter, in the course of talking with one of their banking reps (a very charming lady in Arkansas), I just asked her what was the pull and what was the score and she told me.
08-28-2013 07:10 AM
08-28-2013 07:14 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.