UTIL vs balance transfer? which CC?

rootpooty · ‎12-08-2013

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?

myjourney · ‎12-08-2013

Chase Slate is designed just for BT's

Citi has 2 diamond and simplicity

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

user5387 · ‎12-08-2013

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.