Credit Cards Center Credit cards from our partners
Posts: 8
Registered: ‎02-17-2009

What is the best CC to apply for to transfer a balance.

Hi, I need to transfer a balance before the end of the year and wanted to know what will be my best bet. I would like to transfer about $5000 from high APR (26%+) CCs to a low one, but I would be happy with only transferring about $2000.


My FICO scores are 664 and 656. I am 26 years old, and my CC history is only about 3 years old, but I've never been late on anything. The only Credit I've ever had is Credit Cards (6 major CCs and 5 store cards). I did have an insurance bill that was send to collections after I moved in 2004, but as soon as I found out about it in 2005 it was paid off, it's only currently showing on my TransUnion report. Currently I only have a balance on 2 store cards and the balance on the other major cards are really close to the limit. My husband's credit history is a lot longer than mine, but he does have a bankruptcy of really old debt, after the bankruptcy in 2005 his credit is similar to mine, was only late 60 days on a student loan in 2006. Oh and the mortgage is on his name only. He tried applying for credit at our CC we've been in for 6 months and were denied, I was a co applicant, then I tried to apply for a card with Capital One and was also denied. It said it was because of recent request(the one at the credit union), high balances and delinquent history(old collection account that was paid in 2005). This was last week. I really need to transfer some of it before the end of the year before the rate goes up, that's the only reason I'm looking at opening another card. We've changed our habbits and aren't using Credit Cards any more, and if I can get the interest lower I can paid it all off soon.


So what do you guys think is the best bet? Would it be better if I applied on my own, or if my husband applies on his own or if we do it joint?


Oh if it matters this are the cards I have:


3 with Capital One 

2 with Orchard Bank

1 with Chase

The other are store cards.

Super Contributor
Posts: 5,759
Registered: ‎01-28-2008

Re: What is the best CC to apply for to transfer a balance.

Hi, and welcome to the forum.  Try apping for the Kroger 123 card. Its BT is currently 2.99%.  Kroger will give you 6 months to decide to take the offer. The card is backed by RBS and is known for giving high limits.  They pull EQ.  Or you can try Citi Paltinum Select.  Citi will give you 9 months to decide to take the BT offer. It pulls EQ too.   Good luck!!

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.