Help me understand my odds for a 0% balance transfer...

[Jnbmom]

Oh the suspense😊

Good luck 

[GApeachy]

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@Jnbmom wrote:

Oh the suspense😊

Good luck 

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I know, lol!  Last time I did it over the phone they had me upload id and stuff....took a while.

[Remedios]

I have to go shopping soon

Someone tag me! 

[AverageJoesCredit]

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@blindambition wrote:

Amex has basically stopped BT for the moment. Citi would most likely give low limit, with 3% fee. As stated, US Bank is INQ/Acct sensitive.

Id try paying down card some. Then take a shot at a CU card not known to be conservative.

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Amex seems more interested in playing cat and mouse with churners than offering bts nowadays

[AverageJoesCredit]

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@Anonymous wrote:

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@Remedios wrote:

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Have you tried Discover prequal? 

There would be 3% fee, but it's better than interest. 

You might have a good chance, because other cards are at $0.00

Do you need a link for prequal tool? 

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I found it. I was prequalified for DiscoverIt CashBack, 0% for 14 months, 3% BT fee. Yay!

So now what...should I apply, or wait...? I hate that this is a game... Is it possible to get prequal online or by phone for the other cards I mentioned? 18 or 20 months at 0% would be better than 14, but maybe I shouldn't complain. WWYD?

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I definetly wouldnt complain. Getting a Discover is way essier than getting a US Bank card

[blindambition]

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@AverageJoesCredit wrote:

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@blindambition wrote:

Amex has basically stopped BT for the moment. Citi would most likely give low limit, with 3% fee. As stated, US Bank is INQ/Acct sensitive.

Id try paying down card some. Then take a shot at a CU card not known to be conservative.

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Amex seems more interested in playing cat and mouse with churners than offering bts nowadays

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Yep! Not my favorite lender. Love my BCP, but they don't offer me anything else special. Not my situation anyways. 

[Anonymous]

I GOT IT!
I was approved for a DiscoverIt card at $7500 (0% for 14 months, 16.99% after) and subtracting the 3% BT fee means they will pay $7125 to my $7269 card. Close enough for me to be doing a very silly happy dance!!! 

Thank you all so much for your encouragement and help with navigating this. I should have hopped on this board years ago. I've definitely had my share of credit fails and recoveries. But I am in a good place now to get this paid off and keep it that way. If I can't get it all paid down in 14 months (unlikely without more stimulus or a tax refund) I will come back and ask for help with my next step.

Many thanks to all of you who weighed in. I hope these tags will work... @Remedios @blindambition @Jnbmom @GApeachy @KLEXH25 @M_Smart007 @AverageJoesCredit

[Jnbmom]

@Anonymous 

Congrats😊😊😊😊😊

[GApeachy]

I didn't do anything to help but I dance for you t ....congrats!

[blindambition]

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@Anonymous wrote:

I GOT IT!
I was approved for a DiscoverIt card at $7500 (0% for 14 months, 16.99% after) and subtracting the 3% BT fee means they will pay $7125 to my $7269 card. Close enough for me to be doing a very silly happy dance!!! 

Thank you all so much for your encouragement and help with navigating this. I should have hopped on this board years ago. I've definitely had my share of credit fails and recoveries. But I am in a good place now to get this paid off and keep it that way. If I can't get it all paid down in 14 months (unlikely without more stimulus or a tax refund) I will come back and ask for help with my next step.

Many thanks to all of you who weighed in. I hope these tags will work... @Remedios @blindambition @Jnbmom @GApeachy @KLEXH25 @M_Smart007 @AverageJoesCredit

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Congrats to you!! Happy it worked out for you!!! 🥳