"Easier" CC with decent BT offer

[Anonymous]

Looking for an easier approval CC with a decent BT offer.   Scores 675 TU, 681 EQ.  No clue about experian score.   No baddies, just a younger credit file(3 1/2 years)     Any ideas?

[danababy98]

Capital One Platinum card right now has 0% Transfer APR until Feb., 2010

Capital One might not have the cl you're looking for though.

Message Edited by danababy98 on 02-25-2009 06:11 AM

[score_building]

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@Anonymous wrote:
Looking for an easier approval CC with a decent BT offer.   Scores 675 TU, 681 EQ.  No clue about experian score.   No baddies, just a younger credit file(3 1/2 years)     Any ideas?

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bofa platinum plus

citibank platinum select

discover cards

[FretlessMayhem]

Citibank still has cards with 0 percent BT for 15 months. Your EQ score should be high enough for it (mine was 660-ish when I got mine), but recent derogs are an instant decline for Citi.

So if your report is clean you stand a good shot. 

[Anonymous]

She has the Citibank($3800 CL) and a BofA($1000 CL).   Would it be better to try for Discover or another card with Citibank?

[score_building]

to keep options open and go with the stronger bank choose discover. 

citi in particular is likely to be a relatively high maintenance issuer for the foreseeable future. 

[Anonymous]

My scores are about 680 and I was declined for the 0% BT Citi Platinum 4 days ago.

Tried for recon and was told to fax EQ report, which I did yesterday, all 38 pages.

Now I have to wait a few more days for their decision.

[MojaveMoon]

I don't know anything about how easy or hard these are to be approved for. But here are some cards with BT offers of 0% for between six and twelve months:

0% for twelve months; serviced by Juniper/Barclays

Farm Bureau Bank Mastercard and World Mastercard ... overview

Farm Bureau Bank Mastercard and World Mastercard ... card comparison

West Marine Platinum Mastercard

I Fly America Visa [0% for twelve months]

I Fly America Visa [1.9% for twelve months]

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0% for nine months; serviced by State Farm Bank

[State Farm Bank] Good Neighbor Visa

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0% for six months; serviced by National City

Boyds Bears Visa Platinum

Quilter's [Visa] Rewards Card

Lifespring Health Everyday Rewards Visa Platinum Card

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0% for ... ?; serviced by Chase

Disney Rewards Visa Card

optionsXpress Platinum Visa

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0% for six months; Fifth Third Bank

various credit cards from Fifth Third Bank with 0% BT for six months

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0% for twelve months

Wachovia Visa Platinum With Rewards Card

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0% for eight months; serviced by RBS Bank

People's United Bank Platinum MasterCard

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0% for twelve months; serviced by US Bank

see this link (link) for various US Bank credit cards with this BT offer

Message Edited by MojaveMoon on 02-25-2009 09:15 PM

[MojaveMoon]

For the Bank of America Platinum Plus card that score_building mentioned, this offer might now be by phone only. There is an offer code that you need to mention.
1-800-932-2775 and mention offer code FAATCY.

But here is a link that partially works:

https://offers.bankofamerica.com/ConsumerCard/MNCOffer.aspx?sc=FAATCY&cc=OTS

[MojaveMoon]

Addison Avenue Federal Credit Union Platinum Visa (with 1% cash back or points rewards)

3.9% BT for twelve months

Eligibility:
https://addisonavenue.com/about/aboutus/eligible.htm
Join through Financial Fitness Association (Same req as Spectrum FCU), $5
http://www.financialfitnessassociation.org/

Message Edited by MojaveMoon on 02-25-2009 09:30 PM