Looking for low APR Balance Transfer Card

Breezy117114 — Mon, 14 Sep 2020 21:20:56 GMT

I'm looking for a balance transfer card with 0% or even 2.99%. Which cards fit my credit profile best?

History: I had 14 credit cards with over 50K in total balances. I paid off 12 of them and closed 8 (they were less than 3 years old).

I currently have balances on my 3 NFCU cards. Green Card is at 47%, Blue Amex is at 26%, CLOC is at 59%. I have a Pen Fed Auto Loan which is newly refinanced and at around 90%.

I have never missed a payment on anything.

I know max NFCU cards is 3, is that including the CLOC?

Current total utilization is under 25% with about 23K in CC and CLOC balances with over 80K available. Auto is at 10.6K of 11.9K. Annual salary is around 100K.

I was recently denied for the Citi Double Cash Card. I have 12 inquiries in past 2 years.

I want to knock this out and get debt free, but I'd rather do it with a low balance transfer account if possible. If its not then it is what it is and ill keep plugging away as I have been.

Thank you so much everyone.

Re: Looking for low APR Balance Transfer Card

lhcole77 — Tue, 15 Sep 2020 15:27:33 GMT

@Breezy117114 Great job on paying down debt. I'm doing the same and it feels so good.

PenFed, NFCU, and BofA (CR) all have 0% BT cards right now. I would look at those. PenFed and BofA both have 3% transfer fee, but they're also offering $100 and $200 SUB, respectively. So that could offset some of the cost.

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Looking for low APR Balance Transfer Card

Re: Looking for low APR Balance Transfer Card