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Balance Trasnfer help

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Balance Trasnfer help

I currently owe $2,800 on a chase freedom with 0% apr until September 2020. I currently pay about $200 a month towards it and was wondering what is a good credit card option to transfer my balance to.
Fico Jan 2020 731
5 CC accounts
1 charge card
Overall limit $13,800
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5 REPLIES 5
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Valued Contributor

Re: Balance Trasnfer help

Are you wanting to transfer now or in 8 months when your 0% ends?
Scores hover around 800
Haven't been AZEO in over a year
Rome was not built in a day, neither is a good credit profile
Message 2 of 6
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Re: Balance Trasnfer help

8 months when the intro offer expires. 

Message 3 of 6
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Moderator

Re: Balance Trasnfer help

What I'd suggest is to check back closer to the period when your current promotion would expire. The reason being, a variety of different BT offers may be available at that point. You may also entertain a Credit Union as an alternative in the event you're currently not a member.

And, welcome to the forums @CenturionCardholder.
Message 4 of 6
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Re: Balance Trasnfer help

Thanks !
Message 5 of 6
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Community Leader
Super Contributor

Re: Balance Trasnfer help


@CenturionCardholder wrote:
I currently owe $2,800 on a chase freedom with 0% apr until September 2020. I currently pay about $200 a month towards it and was wondering what is a good credit card option to transfer my balance to.
Fico Jan 2020 731
5 CC accounts
1 charge card
Overall limit $13,800

Hi and welcome

 

As FinStar said, it's too early at the moment--a thousand and one things can happen in 8 months. But in the meantime, a few questions so we can give you additional advice to make sure you're in a great position when you're ready to do a BT. 

 

FICO 731 doesn't tell us much. What are your 3 FICO scores?

 

What are the balances on your 5 cards and are they bank cards?

 

What is your individual and aggregate UT?

 

What is your AAOA?

 

How many inqs?



DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799
DEC 2017: EX 775, TU 778, EQ 769

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