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Valued Contributor
rootpooty
Posts: 1,772
Registered: ‎10-28-2011
0

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 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Community Leader
Senior Contributor
myjourney
Posts: 26,659
Registered: ‎02-07-2013
0

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"
Last 5 apps 6/13


Community Leader
Valued Contributor
user5387
Posts: 1,794
Registered: ‎07-01-2010
0

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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