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Senior Contributor
youngandcreditwrthy
Posts: 6,155
Registered: ‎08-16-2012
0

Largest balance transfer?

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.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
SnackTrader
Posts: 1,566
Registered: ‎09-15-2012
0

Re: Largest balance transfer?

"This is not an invite for folks to chastise me for my financial decisions. :-)"

That takes the fun right out of it :smileysad:

In My Wallet: Amex BCP (12/12) $22.200, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Senior Contributor
youngandcreditwrthy
Posts: 6,155
Registered: ‎08-16-2012
0

Re: Largest balance transfer?

C'mon SnackTrader... Reveal those Snacks and give me the good info... Don't act like you never have completed a BT ;-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Regular Contributor
Startome
Posts: 399
Registered: ‎08-21-2013
0

Re: Largest balance transfer?

lol. Can we chastise Snack Trader for his hidden chastising thoughts? :smileywink:

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


2013 Goals:
1,000.00 Emergency Fund
1,000.00 Emergency Fund, AGAIN
Mechanically Sound Car
Unsecured Card

Fifth Third $300
U.S. Bank Harley Davidson $300
Capital One Platinum $500
2nd Capital One Platinum $500


Valued Contributor
thom02099
Posts: 1,323
Registered: ‎08-30-2011
0

Re: Largest balance transfer?


youngandcreditwrthy wrote:
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. 

AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10K / Chase Slate Visa $6K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 768 EQ = 828 TU = 834 - June/2014
Senior Contributor
youngandcreditwrthy
Posts: 6,155
Registered: ‎08-16-2012
0

Re: Largest balance transfer?

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...
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Member
MMTT31
Posts: 42
Registered: ‎05-09-2013
0

Re: Largest balance transfer?

You should look into the Citi Diamond Preferred Card. It has 0% APR for 18 months on balance transfers, only thing is that they charge a 3% balance transfer. 

Valued Contributor
thom02099
Posts: 1,323
Registered: ‎08-30-2011
0

Re: Largest balance transfer?


youngandcreditwrthy wrote:
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. 

AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10K / Chase Slate Visa $6K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 768 EQ = 828 TU = 834 - June/2014
Senior Contributor
youngandcreditwrthy
Posts: 6,155
Registered: ‎08-16-2012
0

Re: Largest balance transfer?

Thanks mmtt, but I already have that card. I hate Citibank, but my Diamond card is closed anyway.

Ah... So I might get approved, but for a lower limit... Thanks for the info :-) it's very helpful. I just refuse to pay more than a few dollars in interest. Lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
parakleet
Posts: 1,135
Registered: ‎04-13-2013
0

Re: Largest balance transfer?

The largest BT I did is on my Slate. I was initially approved for $6k and BTd about $3.5k. Then I transferred $4k CL from my amazon CC to the slate and then I did another $4k BT on the slate. I couldn't do a BT from another chase card so I got the Disco IT (5.5k CL) and did a BT for my amazon CC for about $2k.

Gardening since 7/16/14
Current: EQ 711 7/13/14; EX 724 TU 721 6/19/14
Goal: 760+

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