I currently have two balance transfers cards that are expiring in about 3-4 months - I was lucky enough to get the Chase Slate and AMEX EveryDay before Covid started, so I was able to get 0% and 0 BT fee (which I don't think exist right now).
Anyway, by the time these expire (Slate on 04/02/2021, AMEX on 03/11/2021), I will owe roughly $4,000 on each card. Both have an APR of ~21% after intro rate, so I obviously don't want to pay that. So, I want to know the best time to apply for BT offers, as I'd definitely like to "max out" the benefits on my current cards. I am currently looking at USB Visa Platinum and Citi Diamond Preferred.
My TU FICO (as per Discover Card) is currently 745, overall UTIL at intro APR expir. will be 18-19%. I only applied for these two cards (Slate and EveryDay) about a year ago, and have not applied nor asked for CL increase since then, and hadn't applied for any new cards for years prior to that.
Do you have any other cards? They may have promotional balance transfers? I recently used PenFed and BB&T.
if you're looking to apply then think Discover, Citi and Wells Fargo.
I have a few other long standing cards. My Discover card has a BT offer for me (that I didn't apply for, but that they are offering)...It's pretty pathetic though (9 months, 4% BT fee). I know most decent BT offers are 18-20 months (3% BT fee).