What would you do next?

[Anonymous]

Hello all. I've been reading the forums for a while now and wanted to ask for advice/direction on my current situation. I would like to help my grandchild transfer her balances to low interest credit cards. What cards do I have a good chance of getting with my current situation?

My situation is the following.

SCORES

 EX: 724                                     EQ: 724                                  TR:733

CURRENT ACCOUNTS    LIMITS      Debt            DATE OPENED

Capital One  --                     750           260           03/2012

Capital One                         750          23              04/2011

Capital One                         5000        30              11/2014

Capital One                         7500        0                12/2014

Bank of America                  2500        620            02/2013 

CItiCard                               1200        400            03/2013

Discover                              1800       600             02/2013

AMEX                                  5500       0                12/2014

INQUIRIES                                                                                                                      

Experian                                Equifax                           TransUnion

02/2013                             02/2013                             02/2013                   

02/2013                             02/2013                             02/2013                                              

02/2013                             02/2013                             02/2013                                              

04/2013                             04/2013                             04/2013

05/2013

10/2013

12/2013

12/2013                             12/2013                             2/2013

                                             10/2014

11/2014

11/2014                                                                         11/2014

11/2014                             11/2014                             11/2014

                                                                                         11/2014

12/2014

12/2014                             12/2014                             12/2014

THANK YOU ALL IN ADVANCE. 

[bengalikejenga]

i would try the pre approval site on Chase, with her profile, it seems like she qualifies for a Chase Slate.... though, in my opinion, Chase Freedom would be better because it has a 5% rotating rewards for every quater, soo even after she does the balance transfer, she would still be able to make good use of her card. 

[Anonymous]

Thank you Bengal. I tried the preapproval, but it seems like i've opted out of prescrean option. However i tried last year around the same time for chase and was declined. Do you still think it's a good idea to apply now? 

[uswala]

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@Anonymous wrote:

Thank you Bengal. I tried the preapproval, but it seems like i've opted out of prescrean option. However i tried last year around the same time for chase and was declined. Do you still think it's a good idea to apply now? 

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I think you have a good chance with your scores. The only thing they might not like is the 3 new accounts.

[Creditaddict]

I would apply for 1 to 2 chase cards and consider a 2nd citi card as you will probably get much higher limit on new citi.

[NRB525]

You just got CapOne? Is there no BT offer with that card?

What are the existing interest rates on each of the cards? That plays a role in what interest rate can be expected.

Have you checked at your local Credit Union? They don't advertise on these popular national websites, but many offer reasonable interest rates and BT offers on new cards as well.

There was no BT with CapOne?

[Creditaddict]

sorry missed the part that you are just looking for BT

Apply for Chase Slate = #1 BT card becuase of the no BT fee and 0% for 15 months!

[Anonymous]

You might want to try usaa if you are eligible and Comenity as well if they have a card that suits you.

[NRB525]

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@Creditaddict wrote:

sorry missed the part that you are just looking for BT

Apply for Chase Slate = #1 BT card becuase of the no BT fee and 0% for 15 months!

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That's what I don't understand, with two CapOne approved in the last month, at least one should already have a 0% BT offer for most of 2015, if not into 2016.

[Anonymous]

Both cap ones and Amex have a 0%. But I need extra 7-10k.