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Contributor
brianjb
Posts: 157
Registered: ‎08-22-2013

Re: Largest balance transfer?

@youngandcreditwrthy if you like see through cards, I just got the AMEX BCE and it is see through and clear.

AMEX TrueEarnings 10K | AMEX BCE 10K | AMEX Hilton Honors 10K | AMEX Hilton Surpass 2K | Bank of America 1-2-3 2K | Barclay Card 2K | Chase Southwest Premier Visa 6K | Chase Marriott Premier Visa 9K | Discover IT Card 1.5K | Merrick Bank 1.4K | Navy Federal Credit Union Visa 10K | Navy Federal Credit Union navCheck 15K | USAA Rewards 7K |+ tons of store cards (GE furniture, Amazon, Lowes, Home Depot, etc)
Total amount of available credit $100K
Scores (as of December 2013) Equifax 714 | Experian 714 | Transunion 727
Short term goal is score 750+ across the board
Long term goal is to have all scores close to 800 or 800+
Valued Contributor
Burned2manybridgesB4
Posts: 1,406
Registered: ‎03-15-2012

Re: Largest balance transfer?


youngandcreditwrthy wrote:
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

You might be interested in that non member credit union card I just got my hands on.


Valued Contributor
SnackTrader
Posts: 1,563
Registered: ‎09-15-2012

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 ;-)"

I've never done a BT, and I've never carried a balance.

A family member of mine did one through the Chase Slate and received the $0 BT fee offer. They were originally approved for $4k or something, but needed to BT $7k, so they called recon and got their limit bumped up to $8k to complete the transfer.

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

Last App: April 2, 2014
Valued Contributor
SnackTrader
Posts: 1,563
Registered: ‎09-15-2012

Re: Largest balance transfer?

Also, the WSJ reported yesterday that NFCU plans to run a no-fee BT promotion starting in September. It will be 12 months BT at 0% with no fee. Not a bad deal if you can get in.

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

Last App: April 2, 2014
Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

Re: Largest balance transfer?

You're telling me you have NEVER carried a balance? Not even $1, ever?!?
I seriously do not believe that, but okay. Lol

Oh, and I already have a $24.5k BCE. I wouldn't dare BT to an Amex card though. 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
Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

Re: Largest balance transfer?

I don't qualify for NFCU membership :-(
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: 1,563
Registered: ‎09-15-2012

Re: Largest balance transfer?

I haven't! I would be happy to attach statements to prove it, but with 5 CCs it might take a while.

I paid down debt to the tune of $15k+ over the last 18 months, and have well over $5k in my savings. I have no reason to add CC debt to the mix. I make good money and live cheap. I went without CCs for years, and paid everything in cash. Nothing has changed since I got CCs. That is exactly why I preach fiscal responsibility here, because I live it. If I was to carry balances, it would feel wrong for me to advocate financial responsibility because I wouldn't be using those methods in my own life.

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

Last App: April 2, 2014
Regular Contributor
Startome
Posts: 399
Registered: ‎08-21-2013

Re: Largest balance transfer?

I'm how you were Snack Trader, 21 and just getting my first CC, because I used cash for everything. My expenses?

Rent, Electricity, Water/Sewer, Gasoline, Food. Toilet Paper. =) living cheap at it's finest. Oh and internet.

But I figure I should build this credit thing, so when I move again I can get a place without putting my soul as a collateral payment.

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


Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

Re: Largest balance transfer?

Ohhh, you have other debt lol...
Well, I have no auto or mortgage debt. My credit card debt is enough for me :-p
And I paid for my car in CASH. Lol ;-)
I'm 24. 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
Burned2manybridgesB4
Posts: 1,406
Registered: ‎03-15-2012

Re: Largest balance transfer?


youngandcreditwrthy wrote:
Ohhh, you have other debt lol...
Well, I have no auto or mortgage debt. My credit card debt is enough for me :-p
And I paid for my car in CASH. Lol ;-)
I'm 24. Lol

Twenty four? You're almost same age as my brat.



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