Banks where I can get highest credit card starting limit on No Transfer Fee Balance/0% /15 months

[Anonymous]

   I was wondering what the consensus was on how high a starting credit limit would be possible for 2 credit cards currently offering no transfer fees for the first 60 days and 0% for 15 months.  They are Bankamericard and Chase Slate.  I have a 701 Equifax score, 702 Experian and 714 TU score.  These are FAKO scores.  I have no collections or negatives whatsoever.  I currently just have a Capital One QS with a $750 limit and a 0 $ balance.  I have never had a Chase or Bank of America credit card and I have never banked with either one.  My income is $51,000 per year.  I have 10 Experian inquiries, 18 Equifax inquiries and 16 TU inquiries, only 2 for each bureau in last 6 months.

   My 4 questions are first of all:  1) What are my chances of getting either of these cards?  2) Which one of these cards would give me a higher starting limit as I would like to get a credit limit of $3,500 if at all possible?  3) If I could get the Chase Slate could I use that card to get the Chase Amazon Visa which I would like for other purposes without them having to do another hard pull that they would have done for Chase Slate Application?  Are there any other financial institutions that are currently offering no balance transfer fees/0% interest out there?

Thanks in advance for your guidance helping with my application. 

[BungalowMo]

I could be wrong, but all those Inq's are going to scare away any prime lender you app with.

If you want a prime card, you have to do the work to get it.  The work you need to do is STOP apping for at least 10 months from your last hard Inq.

You look desperate to lenders & they have obviously run fast.

Go to the gardening thread...they will help you to stay on track & keep the apping bug from the end of your trigger finger!!

[Anonymous]

I should state the inquiries were from rebuilding my credit for the past year because I didn't add any new accounts for years so my account age is 1 year, 2 months; So the inquiries were mostly successful in getting Walmart $4,000, Amazon $4,000, Lowes %5,000, Toyota Rewards $1,000, Target $800, Capital One QS $750 and 4 or 5 store cards.  I haven't applied to any major credit card financial institutes in over 12 years so I haven't been turned away by any of them yet.  

[Gmood1]

Please pull your true FICO 8 scores. So you have a better idea of where you stand. Two for each CB in a six months period isn't terrible. INQs don't hold a lot of weight really. You can go here to get them www.creditchecktotal.com for a $1.
I'd suggest using a prepaid card with no more than $10 on it. Sometimes these guys are tough to reach in order to cancel the membership.
The Slate isn't known to be a large SL card. The BofA card may not start where you want it. But the limit grows quickly.

[Anonymous]

Have you checked to see if your pre-approved/pre-qualified for any Discover offers? 

[Anonymous]

I'd go for the capital one venture one card.

I got a 10k limit on it, but i only had about 4-5 inquries at the time, i also had several more bank credit cards.

Store credit cards are not worth as much to fico, so i wouldn't get anymore of those.

Anyways the highest limit i had was a 3300 citibank card (4 months old) when i applied for the capital venture one card and they gave me 10k.

You definitely need a bank card added to your list.

BTW Chase is **bleep**ty about doing credit limit increases, they wont do it without a hard pull, so if you get a low limit chase it will be stuck that way without a HP. Chase will not approve you if you have opened more then 5 cards in the last 24 months, so don't even try if you have done that.

[Anonymous]

Does anyone know any other financial institutions that do the first 60 days with no balance transfer fees/0% for the first 12 months or so?  I know about Chase Slate and Bankamericard.  Just wondering if there are others.  Thanks.

[kilroy8]

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@Anonymous wrote:

Does anyone know any other financial institutions that do the first 60 days with no balance transfer fees/0% for the first 12 months or so?  I know about Chase Slate and Bankamericard.  Just wondering if there are others.  Thanks.

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After you have been with them for a bit, Discover will offer 0% int with 3% fee for 12 months, or 1.99% for 18 months with no fee. Of course, with them all it kills any grace period, so unless they are 0% for purchases, you have to SD them until BT paid off.

[Anonymous]

Sorry!  What does SD stand for regarding Discover?  Thanks.

[Anonymous]

Sock Drawer, on your clothes dresser.  Meaning, don't use the card until you get issues worked out.

I try not to spend on a certain card that gives me 6 months 0% interest because every small purchase I make means a monthly payment pays the small purchase first, the rest is taken off my 0% promo and I may not get it all paid in time if I don't sock drawer the card before the 0% interest period ends.