Need a credit card with a nice limit to help decrease consumption.

[Anonymous]

Do you belong to a CU where you could possibly get a consolidation loan?

[Anonymous]

I guess I will redefine 'nice limit'. I would consider that anything over 5k. I would poss. transfer a total of 6100 if they would approve me for it.

That way I would have 2 cards with a 0 balance. Does citi charge a BT fee?

[wmarat]

I would defenetly try BOA. High util. is a problem, but you have IMHO good chance to get a card if not directly as on recon. And do not forget ask CLI on activation.

BTW, if you apply to one of the 0% BT cards you actually can justify pretty high CL.

Good Luck.

[MrCredit]

For your 1st BT yes once you are in with Citi they will give you no fee transfers if you call and ask. They also have a life of the balance transfer rates once you are with them a while, I took advantage of that when i bought a boat 12k at 3.9 for the life of the balance with no fee, you cant get a loan at a bank for a boat at 3.9... I think you will be fine as long as you put the BT of the card with the 90% on the app or specify it to recon if you have to call them.

[MrCredit]

I personally love Citi.... they are great to work with.

[Anonymous]

The best they could do was 9.25%.

I guess it is down to citi or BofA

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@Anonymous wrote:
Do you belong to a CU where you could possibly get a consolidation loan?

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[Anonymous]

Good luck!

[MrCredit]

Signature loans at CUs are their most risky transactions thats why there rates are high. CUs are very conservative too. You will be happy with either of the two with your scores you wont have any trouble!!

[wmarat]

I can not say it about Citi, but can say it about BOA.

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@MrCredit wrote:
I personally love Citi.... they are great to work with.

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[Anonymous]

have you considered taking the consolidation loan(interest will only be few dollars more a month) then in a month or two once your credit has rebounded once 0 balance show opening 1 or 2 0% transfer cards to pay off the consolidation loan?(or just leave it if you dont mind paying ~15 more per month and have security knowing you wont be rate jacked for high util)