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Regular Contributor
buyhouse36
Posts: 176
Registered: ‎01-31-2009

Need a new cc with a good balance transfer offer....

As of yesterday, my score sits at 686.  I just opened an account with my credit union and got a visa with 3500 cl at 9.9%. Great...that absorbed all my balances with interest over 10%. Now  I need a CC with a 0% intro on balance transfers for another 5K or so.  I already have 2 inquiries this year...one for my car and one for the visa. So I want to hit the bullseye with the right company. I dont want to apply all over the place because I think it will hurt my score and I would prefer a company that pulls equifax.  Also, rule out Chase and Wells Fargo.  I still have balances under 'special financing' on some closed accounts with them. In June I finally paid off a CC with a 17K cl. Once I paid it I thought they would offer a new card...NO DICE due to special financing.

 

Any suggestions?

Valued Contributor
Mustanglvr2006
Posts: 1,971
Registered: ‎02-06-2011

Re: Need a new cc with a good balance transfer offer....

[ Edited ]

The Citi Platinum Select seems to be the best choice for BT right now because it's 0 for 21 months.

 

I'm not 100% positive you would be approved for the 5K you want with a 686 score (is that a Fico? and if it is, is it EQ, TU, or EX?)

 

Citi pulled EQ for me in NC.

 

Citi Platinum Select

 

Edited to add link.


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
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Frequent Contributor
minimock
Posts: 443
Registered: ‎10-23-2010

Re: Need a new cc with a good balance transfer offer....

Also, they just slipped in a new proviso, 12 months if your credit is not so good.

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)


Established Contributor
Guava
Posts: 767
Registered: ‎04-08-2011

Re: Need a new cc with a good balance transfer offer....

Citi Diamond Preferred card and Citi Simplicity card both have the longest balance transfer 0% APR out there, 21 months


Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean


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Regular Contributor
buyhouse36
Posts: 176
Registered: ‎01-31-2009

Re: Need a new cc with a good balance transfer offer....

I have/had a citibank platinum card with a $11K limit until 2009. First they slashed my credit limit to about 100 more than I owed them...around 5900. Then they sent a letter that my interest rate was going up to something ridiculous... Our only options were to "opt-out" or pay up.  We were forced to opt -out. We were just coming up for air then financially and couldnt veer off course just to keep them as active. I wish they would reopen it for those that always kept a good record with them.  We still owe about 4400...since our interest with them is so low...around 6%...we are in no rush to pay them. 

Established Contributor
Guava
Posts: 767
Registered: ‎04-08-2011

Re: Need a new cc with a good balance transfer offer....

If you're on bad term with Citi then maybe try for Cap1? The Capital One Cash CC has 0% APR for 12 months (http://www.capitalone.com/creditcards/cash-rewards-credit-card)


Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean


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Frequent Contributor
LTomBerry
Posts: 398
Registered: ‎08-02-2011

Re: Need a new cc with a good balance transfer offer....

American Express Clear. No BT fee and 0% for 12 months.


Starting Score: 690
Current Score: EQ 780 EX 814 TU 783
Goal Score: 800

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