Want to app for Discover to take advantage of 12-month 0% APR on balance xfers

[pi-r-squared]

I know no one can give me a definite answer but I'd like to know my chances given the following below:

Currently have 3 credit cards:

Cap 1 Plat.   with Balance $600 - CL $5,500  APR 24.9%

Cap 1 Venture with Balance $4,600 - CL $18,000   APR 12.9%

Lowes with Balance $400 - CL $17,000 APR 24.9%

A car loan $10,000

My current myFICO scores are

EQ - 714

TU - 715

EX - 730

I read on here that Discover pulls TU.  My TU contains 2 paid medical collections from 2011.

Household Income about $60K

When I click on the "personalized offer" on the website, it spits back 12.99 - 15.99% APR......

Is there any way to figure out chances of application success AND likely CL if I am approved? 

[Anonymous]

You should have no problem getting approval from Discover. 

They pull EQ for apps and you have a thin file, which they like.

[Anonymous]

I agree with Deadend

[Anonymous]

Agreed. IME, a narrow APR range with Discover is a strong indicator of approval, though not a guarantee. Was just approved with same range in prequal, and got 15.99%.

[jesseh]

Your scores are fine, I would guess you would be approved.

Side note: (you probably already know this). I suggest getting all balance on one card. paying off the Lowes and Cap1 plat when you can. (high apr on these cards!)  Having balance on only one card looks better than having a balance on all cards you have. 

Good luck on the discover app! 

[pi-r-squared]

Just got approved with CL $13,500!

[Anonymous]

Wow nice SL!! Congrats!