Trying to decide between Citi TY and Discover

[egzen75]

Been watching for a while and learned so much, so thank you all!

I'm trying to decide on a BT and 0%APR card. Have it narrowed down between Citi TY Preferred (found a link for 15 months) and Discover IT for 14 months.

Which should I go with and who will be more likely to match my highest CL?

Cards I currently have:

CSP

BCP

BofA Cash Rewards

Cap One 1.5% 

Best Buy Masrercard

[enharu]

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@egzen75 wrote:

Been watching for a while and learned so much, so thank you all!

I'm trying to decide on a BT and 0%APR card. Have it narrowed down between Citi TY Preferred (found a link for 15 months) and Discover IT for 14 months.

Which should I go with and who will be more likely to match my highest CL?

Cards I currently have:

CSP

BCP

BofA Cash Rewards

Cap One 1.5% 

Best Buy Masrercard

---

if you need to do a BT, why not get the Citi Simplicity or Chase Slate?

Chase Slate will not work if the account you're trying to BT from is your CSP.

The Simplicity gives you 18-21 months 0% APR, depending on the promo. Chase Slate gives you 15 months 0% APR, but it also has 0 BT fee.

How much CL you get is dependent upon your CS, CR and income. What is your current utilization?

[09Lexie]

Neither would probably match your CL's. If you are thinking of doing a BT, I would look at Chase's Slate or Citi's Simplicity or Dia Preferred

[Platinum]

Don't go with Discover. They are stinky with low credit lines.

[egzen75]

I thought it made sense to go for a card that would have some rewards and that I would want to keep and use after the promo period expired, thus my interest in the cards I mentioned as opposed to Slate and Simplicity. My highest CL is the CSP at $14K, I'm hoping to get a card to match or exceed that if possible.

My scores are 745-772

No baddies.

Income is close to 100k

[mnavas]

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@egzen75 wrote:

Been watching for a while and learned so much, so thank you all!

I'm trying to decide on a BT and 0%APR card. Have it narrowed down between Citi TY Preferred (found a link for 15 months) and Discover IT for 14 months.

Which should I go with and who will be more likely to match my highest CL?

Cards I currently have:

CSP

BCP

BofA Cash Rewards

Cap One 1.5% 

Best Buy Masrercard

---

You would probably have a better chance for a high CL with Citi. They seem to be more generous with CLs than Discover

At least that was my case. I applied for both a couple of months ago and got $4500 with CITI and $2000 with Discover.

[enharu]

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@egzen75 wrote:

I thought it made sense to go for a card that would have some rewards and that I would want to keep and use after the promo period expired, thus my interest in the cards I mentioned as opposed to Slate and Simplicity. My highest CL is the CSP at $14K, I'm hoping to get a card to match or exceed that if possible.

My scores are 745-772

No baddies.

Income is close to 100k

---

You can always ask for a product change after 12 months. That way, you are essentially keeping the card and the "new" card will have a rewards structure as well.

For instance, you can get the slate, and then PC it to the freedom afterwards.

[rlx01]

Get the Slate, once the promo ends, transfer CL to CSP or PC to Freedom.

[egzen75]

Ok, great info! I didn't realize I could PC to a different card when the promo period was over. Slate -> Freedom sounds good but since I already have the CSP, wouldn't it make sense to go with Citi or Discover since I don't have any cards with the yet? Strategically, does it make sense to get another card with Chase or to go with a bank I don't have a relationship with yet. Won't Chase put a cap on the amount of credit they will extend to one person?

[Platinum]

If I was you I would go with Citi next. Do you have balances reported on your CR ?
Citi does not like when everything is paid off to $0. I was once denied for that reason.