What would you do next?

[Anonymous]

Chase Slate.

[NRB525]

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

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Ok, so the situation as outlined in your OP is not the full reveal?

[takeshi74]

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@Anonymous wrote:

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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What were the reason(s) for denial?  Have those been addressed?  What else changed with your credit in the time since that denial?

[Anonymous]

You have a fair few INQs from 2013. I'm guessing that's why the denial. However, in the last 6 months, it looks like you only have ~6 per CRA, maybe 12 in the last year per CRA? I'd like to know why they rejected you last time, but I would try Chase Slate first, then maybe Amex Everyday (not BCE)

[Anonymous]

NRB both capital ones and the Amex have 0% until end of 2015.

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@NRB525 wrote:

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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.

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[Anonymous]

Was denied due to balances on cards being maxed, too few accounts, length of credit history. 

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@takeshi74 wrote:

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@Anonymous wrote:

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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What were the reason(s) for denial?  Have those been addressed?  What else changed with your credit in the time since that denial?

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