topic Re: ISO Balance Transfer CC with high limit in Credit Card Applications

ISO Balance Transfer CC with high limit

CaroleBaskinBB — Sun, 02 Oct 2022 02:21:17 GMT

I have excellent credit however my scores have recently gone down due to a high utilization on a Synchrony credit line used for home improvement. My scores range from 740-790ish. I hope scores will have a boost soon after 2 accounts will report as paid off, so just 1 account will remain with any balance. We have combined income of almost $300k. Best cards for a 0% balance transfer with a high limit? Hoping for limit of at least $20k.

Re: ISO Balance Transfer CC with high limit

NoMoreE46 — Sun, 02 Oct 2022 02:44:07 GMT

Hi @CaroleBaskinBB !

It would be great if you could tell us a little bit more:

Current cards and their limits
Number of cards you got in the past 6, 12 and 24 months
Will it be a joint application?

@CaroleBaskinBB wrote:
I have excellent credit however my scores have recently gone down due to a high utilization on a Synchrony credit line used for home improvement. My scores range from 740-790ish. I hope scores will have a boost soon after 2 accounts will report as paid off, so just 1 account will remain with any balance. We have combined income of almost $300k. Best cards for a 0% balance transfer with a high limit? Hoping for limit of at least $20k.

Re: ISO Balance Transfer CC with high limit

CreditCuriosity — Sun, 02 Oct 2022 02:47:38 GMT

Likely won't get one BT cc with a 20k limit. Would take several likely. CU's are your best bet, but one thing guaranteed with credit nothing is guranteed and that includes limits. 20k out of the gate isn't usually normal despite a good income. Personal loan is also an option although with rates going up not near as attractive anymore although places like lightstream have 5.7 for 36 months which isn't half shabby and your scores will benefit as well vs a maxed out cc or two.. Just throwing options out there for you.

Re: ISO Balance Transfer CC with high limit

OmarGB9 — Sun, 02 Oct 2022 21:31:17 GMT

@CreditCuriosity wrote:
Likely won't get one BT cc with a 20k limit. Would take several likely. CU's are your best bet, but one thing guaranteed with credit nothing is guranteed and that includes limits. 20k out of the gate isn't usually normal despite a good income. Personal loan is also an option although with rates going up not near as attractive anymore although places like lightstream have 5.7 for 36 months which isn't half shabby and your scores will benefit as well vs a maxed out cc or two.. Just throwing options out there for you.

This