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Whats the easiest CC balance transfer to be approved for?

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CryptoWI
Valued Member

Whats the easiest CC balance transfer to be approved for?

Score is 690

need to transfer 17.6K. for introductory 0% for X months

Got Reject by BOA

My Usage is high

Message 1 of 7
6 REPLIES 6
RSX
Valued Contributor

Re: Whats the easiest CC balance transfer to be approved for?

usually Discover i believe

Dec 16/2019. EX. 721. EQ. 723. TU 746
Jan 25/2024 EX. 774 EQ. 751 TU 758
Inq. EX 2 EQ 3 TU 6 - - CC 2x24, 0x12
Amex BCP $35k - Apple GS $21k - BMW/Elan $19k - Cap1 QS $16.7k - Chase Amazon $13.6k - Chase Bonvoy Bountiful $10k - Chase United Club Infinite $26k - Citi CustomCash $3k - Citi DC $14.5k - CreditUnion1 $9k - DiscoverIT $31.5k - PayBoo - $15.6k - Penfed Gold - $19.3k - USB AltitudeGO -$19k- USBank Cash+ -$25k - PenFed LOC - $20k - USB LOC - $15k
Message 2 of 7
Rogue46
Established Contributor

Re: Whats the easiest CC balance transfer to be approved for?

I'd second Discover they are pretty good about balance transfers





Message 3 of 7
CryptoWI
Valued Member

Re: Whats the easiest CC balance transfer to be approved for?

I was just now approved for 12K w/ discover, I'm able to transfer partial amount?

Message 4 of 7
Creditwiser
Valued Contributor

Re: Whats the easiest CC balance transfer to be approved for?


@CryptoWI wrote:

I was just now approved for 12K w/ discover, I'm able to transfer partial amount?


Yes. You can transfer any amount you wish up to your credit limit. Although keep in mind that maxing out a new card is not going to help your scores if thats a concern of yours.  I used Discover last month to Bal transfer a certain amount from another account. My SL was lower than I had hoped so I only transfered a portion of the balance.

NFCU Visa 43k | NFCU Platinum 35k | Cap1 QS 13K | Cap1 QS 11.5K | Barclay MC 15k | Delta Gold Amex 35K | Discover IT 20K | CFNA FS 3600 | CareCredit 20k| PayPal Credit 7k |
Message 5 of 7
coldfusion
Community Leader
Mega Contributor

Re: Whats the easiest CC balance transfer to be approved for?

You should be able to,  the BT process is essentially that Discover will send payment for whatever amount you request/they authorize to whomever currently holds the deb.  If for example you requested an $11.5 K BT Discover will pay $11.5K toward the card/account you specify, you'll have an $11.5K balance @ 0% on your Discover card, and the outstanding balance on the other card will drop by $11.5K. 

 

If you were able to get approved for another card (I'm not assessing odds as to your abilty to do it) that also had a 0% APR BT offer and the SL were large enough you could BT the remaining amount from your current $17.6K card over to the 2nd new card.

(11/2024)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 6 of 7
fury1995
Valued Contributor

Re: Whats the easiest CC balance transfer to be approved for?

I second, third, fourth or fifth (lost track) Discover for the BT.

Easy to work with for BT's
August 28, 2023 FICO 8

August 28, 2023 FICO BankCard 8

August 28, 2023 FICO Auto 8

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Message 7 of 7
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