When To Apply for CC After Car Loan Application

[Artzdelux]

Hi All,

I just bought a new car and financed 11K at 4.2%.  I also just got married and am looking to get a CC to transfer some of DW's balances to 0%.   I am curious as to how and when I should approach the application, and what cards specifically I should look at that offer high lines and 0% for at least a year.  I will be applying myself only and adding her as an AU so it will help her utilization but not hurt the app since she has a lower score.

My scores at loan app were: TU 760, EQ: 740. 

I currently have a pretty low utilization of $1300 of about 13K total line

No inquiries in the last year outside of car loan app.

Any and all advice and input would be greatly appreciated.

Thank you!

[marty56]

IMHO I would not do this since you just got married and give the relationship time to settle in.

If you are going to do this, I would probably do it now before the new auto loan is added to you CR.  Your DTI will look better thus a higher limit.