BT Card?

[adamkingadam]

I would like to do a few balance transfers, opinions on my options (if any) of BT credit card with 610 EQ 650 TU 664 EX with around 70% uti. 6 inq. I was hoping for Chase but I fear my uti % is too high and fico borderline on approval?

[Anonymous]

How much balance are you looking to transfer?  The problem is, they may approve you but not for the amount you are seeking.

[adamkingadam]

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@Anonymous wrote:

How much balance are you looking to transfer?  The problem is, they may approve you but not for the amount you are seeking.

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My fear as well. I was going to BT aroung $1,500 - $3,000 depending on the limit I recieved.  I don't need a $500 BR Card!  

[stargazer25]

I would be concerned about getting a decent credit approval period with that high of a utilization rate. It doesn't help to BT if the interest rate is worse than what you are already paying plus a BT fee.

[Meanmchine]

Try LendingTree. SP pre-approval and youll know your loan amount before you sign. Plus, with a personal loan, your scores might go up

[Anonymous]

Doubt you'll find anything that will help based on your scores/utilization. Fix your budget and get it paid drastically down and options for the remaining owed may become available to you. 

For a lot of folks (including myself once upon a time) moving the $$ around at this stage just creates more issues with debt. 

[Anonymous]

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@Meanmchine wrote:

Try LendingTree. SP pre-approval and youll know your loan amount before you sign. Plus, with a personal loan, your scores might go up

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I agree. And you should look into this.

[Anonymous]

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@adamkingadam wrote:

I would like to do a few balance transfers, opinions on my options (if any) of BT credit card with 610 EQ 650 TU 664 EX with around 70% uti. 6 inq. I was hoping for Chase but I fear my uti % is too high and fico borderline on approval?

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Do you have any baddies? If yes, what are they and how old?

[adamkingadam]

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@Anonymous wrote:

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@adamkingadam wrote:

I would like to do a few balance transfers, opinions on my options (if any) of BT credit card with 610 EQ 650 TU 664 EX with around 70% uti. 6 inq. I was hoping for Chase but I fear my uti % is too high and fico borderline on approval?

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Do you have any baddies? If yes, what are they and how old?

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Only baddies are on EQ two paid tax liens that are 5 years old. The other two bureaus are clean. 

[LadyJEsq]

Have you tried getting the liens removed? If they don't follow the new rules, which I doubt they would, I would take steps to have them removed. I would look at your local CU or some of the other CUs mentioned here. I think they'll be the only ones to overlook/understand your utilization. If denied initially, you can recon and more than likely find someone sympathetic.