thanks for your reply......I am planning to start a mini business next year ending.....my payment history has been excellent and I never missed a single payment till now in my 3.5 yrs of credit history........the budget almost I need for the business which I am planing to start along with my friend is $75k.......so I am planing to touch 100k, because I can use this introductory aprs, balance transfers on cc for my business......please suggest my good cards to achieve that 100k......my income is 60k, but I am planning to quit the job in 6 months.....