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Valued Contributor
rootpooty
Posts: 1,711
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 |
Chase Freedom 1.5k | Amazon 1800 | Walmart 1450 | Buckle 300

On the prowl for Chase Sapphire Preferred!
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Senior Contributor
myjourney
Posts: 25,241
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 

"Intelligence plus character--that is the goal of true education"
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http://lmgtfy.com/?q=Capital+One+CEO+email+address+#seen
Last 5 apps 6/6/13
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Valued Contributor
user5387
Posts: 1,794
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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