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Valued Contributor
rootpooty
Posts: 1,685
Registered: ‎10-28-2011

UTIL vs balance transfer? which CC?

Since most prime lenders run away when you app with high or higher than normal util which most likely results in a denial.  Which cards if any are more BT friendly?

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 3k | BOFA 123 3k |
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Valued Contributor
myjourney
Posts: 23,485
Registered: ‎02-07-2013

Re: UTIL vs balance transfer? which CC?

Chase Slate is designed just for BT's 

Citi has 2 diamond and simplicity 

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Valued Contributor
user5387
Posts: 1,055
Registered: ‎07-01-2010

Re: UTIL vs balance transfer? which CC?

Trying to get a BT card when you have high utilization is a problem.

 

One long-term solution to this issue is to sign up with lenders who frequently offer BT deals.

 

An example is NFCU, and another one is PSECU, who recently sent me some 2.9% BT checks.

 


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