BT card options

[Anonymous]

If you park the balance on discover and all of your utilization is under 30% you will get plenty of new offers down the road.  Youre in great shape,  lots of options. I would look into the other perks those Card have not just your balance transfer.  I think you are above slate.  Citi all the way

[Simply827]

Thanks for the additional tips everyone, especially regarding the use of my Ring to temporarily hold the BT. I actually checked out BT options on my Ring today and see they no longer have the option to deposit into your checking account. I think I may have disposed of the checks they sent recently, darn.

I did get a mailer for the BOA, but I wonder if that's a no-go since I burned them in the past. Citi sends me various mailers every week, but that's how they roll. Nothing on prequal for Chase. 

[Anonymous]

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@Simply827 wrote:

I'm considering applying for a new BT card in the next couple of months. I'm aware that I can take advantage of BT offers on some of my current cards (Discover, Barclays) but to keep UTIL at a reasonable amount on each card, I'll need to get a new one to spread the balance.

I've recently gotten mail offers for BoA and Citi Diamond Preffered for 0% for 21 months, then 12.99% afterward. Each of these have a 3% BT fee.

Then there's also the possibility of Chase Slate for 0% for 15 months with 0% BT fee.

I'd like to know which of these options would likely give me the most generous starting limit. Also, does BoA have a long memory? I burned them for a small amount over a decade ago, so if there's no shot of me getting a card with them, I'd rather not waste the inquiry. 

Thanks.

FICOs 08 are TU: 743 EQ: 712 EX: 731

Income: 64k

Overall Util: 21%

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You ever look into credit unions ?

 Pennsylvania Credit Union 2.99% on balance transfers until December 2016. VALOR Credit Union has a 5.99% for the life of the entire balance transfer with no balance transfer fees. American Heritage Credit Union has a 4.99% for balance transfers for 2 years (24 months). Unlike Barclay RING that charges balance transfer fees NASA Federal Credit Union does not and offers the same 8% lifetime on balance transfers and have seen NASA giving out higher credit lines than Barclay as well.  

 Balane Transfer with the Visa Premier Cash Credit Card by Valor Credit Union 

1. No annual fee
2. 1% cash back earned on all purchases
3. Two reasonable options for interest: 0% introductory APR for 12 months on transferred balances with a 3% transfer fee. Or 5.99% APR for the entire life of your transferred balance with no transfer fee. The way to become eligible for a Valor Credit Union membership is by joining the American Consumer Counsel (ACC). $5.

Pennsylvania Credit Union 2.99% until December 2016. 

 Bourns Employees FCU 4.99%  

(Join California Consumer Council to gain membership)

Beach Municipal FCU 5.24%  

Apple FCU 5.74%  
Citizens Community CU 5.74%  
Long Island Community FCU 5.74%  

Premier FCU 5.90%  
University FCU 5.90%  
(Join Longhorn Foundation to gain membership)

Evansville Teachers FCU 6.25%  
Lake Michigan CU 6.25% APR

Redstone FCU 8.00%  

NASA Federal Credit Union LIFETIME  8% 

 

[Anonymous]

Double Cash is a great balance transfer card- 0% for 15 months. Discover has also been great for balance transfers for me - 0% for 15 months as well.

You will want to ensure that your credit profile is strong enough so that you can obtain a high enough CL to support your balance transfers- one that will also allow you to maintain a healthy utilization.  Hope this helps.