NFCU High Utilization

[twiddledee]

LOOKING FOR HELP - This is a high utilization situation

I have high utiliztion on most of my credit cards ( 75%) some silly spending some out of necesity )

NO NEGS or Baddies at all A+ , good mix and decent length of history decent income of around $95K, 5 inquires.

Scores are around the 620-625.  I have been working on paying down balances, but with the interesst I am paying

close to $1K a month.

I would love to get qualified for a 0% / low interest card to transer some of these so I can pay down faster

Discover 6K

BofA Cash Rewards 2K

BofA Visa 4.5K

NFCU 10K

Any help would be appreciated

[user5387]

You might try for a consolidation loan at a local CU, or else Lending Club and Prosper.

[fot1]

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@user5387 wrote:

You might try for a consolidation loan at a local CU, or else Lending Club and Prosper.

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Scores or too low for lending club or Prosper..Cu is propably best bet

[dollar_bill]

You have NFCU, maybe you're elgible for USAA? You could try them if you are/were military they might be able to help.