@AJ67 wrote:
@Horseshoez wrote:Just my personal datapoint; prior to Chase approving me for my first card my most generous SL was from PenFed at $6,000. I hadn't intended on applying to Chase as I burned them in my 2015 Chapter 13, however, when I was opening up two deposit accounts I was asked if I wanted a credit card as well. Bang, a new CSP with an SL of $11,700, and then six month later they sent me a preapproval for a CFU; I took the bait and was approved for $23,600.
I wasn't in the market for any new cards, but I didn't say no to Chase for either of these.
WOW! So Chase Freedom Unlimited gave you a starting credit limit of $23,600!!
I'm thinking to go for it as they have a 0% on balance transfer.
Yeah, I was surprised to get the CSP, much less at that SL, and then when the CFU landed I was pretty much dumbstruck.
@Horseshoez wrote:
@AJ67 wrote:
@Horseshoez wrote:Just my personal datapoint; prior to Chase approving me for my first card my most generous SL was from PenFed at $6,000. I hadn't intended on applying to Chase as I burned them in my 2015 Chapter 13, however, when I was opening up two deposit accounts I was asked if I wanted a credit card as well. Bang, a new CSP with an SL of $11,700, and then six month later they sent me a preapproval for a CFU; I took the bait and was approved for $23,600.
I wasn't in the market for any new cards, but I didn't say no to Chase for either of these.
WOW! So Chase Freedom Unlimited gave you a starting credit limit of $23,600!!
I'm thinking to go for it as they have a 0% on balance transfer.
Yeah, I was surprised to get the CSP, much less at that SL, and then when the CFU landed I was pretty much dumbstruck.
I have an Amazon Prime which is Chase. They started with $10,000 SL, then 6 months later they raised it to $15,000.
I'm wondering if that would help my chances with a good CFU SL
@AJ67 wrote:
@Horseshoez wrote:
@AJ67 wrote:
@Horseshoez wrote:Just my personal datapoint; prior to Chase approving me for my first card my most generous SL was from PenFed at $6,000. I hadn't intended on applying to Chase as I burned them in my 2015 Chapter 13, however, when I was opening up two deposit accounts I was asked if I wanted a credit card as well. Bang, a new CSP with an SL of $11,700, and then six month later they sent me a preapproval for a CFU; I took the bait and was approved for $23,600.
I wasn't in the market for any new cards, but I didn't say no to Chase for either of these.
WOW! So Chase Freedom Unlimited gave you a starting credit limit of $23,600!!
I'm thinking to go for it as they have a 0% on balance transfer.
Yeah, I was surprised to get the CSP, much less at that SL, and then when the CFU landed I was pretty much dumbstruck.
I have an Amazon Prime which is Chase. They started with $10,000 SL, then 6 months later they raised it to $15,000.
I'm wondering if that would help my chances with a good CFU SL
I would think so.
@AJ67 If you're going to play the BT game, than you need a credit union CC with 0 balance transfer fee so you can move the balance around or even back to the same card when you have a good offer!
In my opinion the best balance transfer cards are the credit union, platinum, non-rewards cards with no balance transfer fee. Examples: Langley, BECU, NFCU, Chartway, Dept of Interior, Unify. But there are many out there.
@AJ67 wrote:
@CYBERSAM wrote:@AJ67 If you're going to play the BT game, than you need a credit union CC with 0 balance transfer fee so you can move the balance around or even back to the same card when you have a good offer!
Not all credit unions are open to the public. Do you have any suggestion as to which credit union cc I should try?
@AJ67 Just to add more to @SouthJamaica list, DCU and Redstone CU are easy to get in with, they also offer 0 BT fees. You can get pre-approval for their cards after couple of months of being a member with only SP.
You should look around for local CUs and see what they offer. As long as they do credit cards in-house and not outsource through Elan Financial they should have a low APR, 0 BT cards.
Baxter CU, can get in through "Life.Money.You" they are pretty good at offering nice SL and have decent Balance Transfer options.
FNBO will tell you how much your SL will be in their SP Prequal tool and their Travel card "Getaway" has a BT offer.
