No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Hi, I had a question about balance transfers. I have 2 CCs carrying a balance right now--one is offering a decent rate for BTs and I am thinking of transferring the balance from the other CC over to this one. However, on the website the BT rate offer has a disclaimer saying "not all customers will qualify for this rate." Does this mean they will do a credit check? I don't want any inquiries on my credit right now for fear of lowering my FICO (applying for a mortgage soon)...but I am tired of paying out the nose in interest rates :-(.
@liz2011 wrote:Hi, I had a question about balance transfers. I have 2 CCs carrying a balance right now--one is offering a decent rate for BTs and I am thinking of transferring the balance from the other CC over to this one. However, on the website the BT rate offer has a disclaimer saying "not all customers will qualify for this rate." Does this mean they will do a credit check? I don't want any inquiries on my credit right now for fear of lowering my FICO (applying for a mortgage soon)...but I am tired of paying out the nose in interest rates :-(.
i did a bt and it was just a soft inq
i guess it just for accounts in good standing