Do you have just 12 months left on the Citi 0% balance transfer promo? If so I would get that knocked down a bunch each month in case you can't find another BT card with a CL big enough to help.
I'm curious why you transferred all the BofA debt onto Amex instead of 50% of it and 50% of Citi.
It seems to me the safest way to use balance transfers is to pay a monthly balance high enough that you will clear the debt when the BT ends.
Unless I misunderstand your situation, you need to pay $650 each month on BofA and as close to $500 as possible on Amex. If you do this in 6 months you will be in a better situation to be granted another BT card.
By then there will likely be a couple from which you can select. I wouldn't do it now with the BofA card at 98%.
@Anonymous wrote:
@FinStar wrote:An item to keep in mind, based on what you shared in your op, Credit Karma suggesting any "odds" of approval are just as good as Miss Cleo foretelling your future. In other words, not reliable.
The thing that may give some pause for any potential [new] lenders is your DTI and current utilization on individual accounts, namely Citi and AmEx. While it's possible you *could* get approved, it's anyone's guess how much you'd be approved for -- all things considered.
Your op doesn't indicate specifically when you obtained the Citi and AmEx CCs, but if it's been 180+ days since you were approved, you could try and see if those 2 accounts may be eligible for a SP CLI.
Also, your SYNCB Amazon and PayPal accounts could qualify for a SP CLI if you haven't requested one in the past ~4 months or so. You can do so by calling the Credit Solutions team.
Do you currently belong to any Credit Unions?
Is there somewhere i can get pre-approval. the hard inquiry would be worth it for a new LOC, but a denail would suck. I did my last 2 apps based on credit karma, assuming their info was realtivaly accurate
Definitely never go by CK's approval odds. They're not real. They're pure marketing. You got lucky in this case.
