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3 for 3 on an app spree

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jrrsmith18
Contributor

3 for 3 on an app spree

I was looking for a good balance transfer card to transfer around 10k of credit card debt (8k on Discover, 1.1k on Amex, and 1k on CSP) and while on credit karma (i know not the most reliable lol) it said I had a very good chance for the Wells Fargo Propel, Citi Diamond Preferred, and PNC core visa.

 

I wasn't planning on apping for all three but got approved with Citi at 3.3k, figuring that wouldn't be enough to BT all CC debt, I went to Wells Fargo and got approved for 6k. I also hit up PNC. I saw a recent poster with a pretty good SL and tried my chances. The PNC app went pending but after a call with underwriting the next day I was approved for 6k as well. All have decent 0% BT offers, are there any suggestions on how to spread out the 10k in CC debt? I was thinking 4k on both PNC and Wells and 1k on the Citi and use 1k from savings? Or since all this debt would be on 0%, keep the money I have in savings and put 4.5k on PNC and Wells?

 

DPs

~8 inquires each bureau

725-745 Fico scores

16% overall Util

Message 1 of 20
19 REPLIES 19
AllZero
Mega Contributor

Re: 3 for 3 on an app spree

Congratulations on your approvals!

Message 2 of 20
blindambition
Senior Contributor

Re: 3 for 3 on an app spree

Congrats on the approvals. I would put more on the DP and Propel. PNC is conservative. Might be spooked by too high utilization.

Message 3 of 20
Anonymous
Not applicable

Re: 3 for 3 on an app spree

Very nice Approvals 

Message 4 of 20
AverageJoesCredit
Legendary Contributor

Re: 3 for 3 on an app spree

Congrats on your WININGGGGGSmiley Happy

Message 5 of 20
AverageJoesCredit
Legendary Contributor

Re: 3 for 3 on an app spree

Congrats on your WININGGGGGSmiley Happy

Message 6 of 20
M_Smart007
Legendary Contributor

Re: 3 for 3 on an app spree

Congrats!

Message 7 of 20
newfossil
Valued Contributor

Re: 3 for 3 on an app spree

Congratulations!




Starting score - May 2018

April 2021

AAoA - 1 year 6 months
Message 8 of 20
pinkandgrey
Senior Contributor

Re: 3 for 3 on an app spree

Well that worked out well. Congrats! Huge wins there! Especially that PNC--PNC is known to be a touch conservative lol 

Discover It: 21.5k
Amex Cash Magnet: 18k
Fidelity Visa: 16.5k
Apple Card: 6.5k
Message 9 of 20
SFLSpotter9210
Valued Contributor

Re: 3 for 3 on an app spree

Congratulation's on the triple dipper 👍

NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 9,400 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay Apple1k | Citi Rewards+ 12,100 | Citi Double Cash 14,800 | Citi Simplicity 7,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | Discover 19,500 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 6,000 | Chevron 2,500 | Fico 8 Scores EQ=764 | EX=775 | TU=757scores and CL current as of 04/04/24 AAoA years 24 months | AoOA=18yrs
Message 10 of 20
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