Any good Balance Transfers out??

Anonymous · ‎08-15-2020

Its been a while since been on here since I have been chilling in the garden. At a 760 but I want to BT about 7k (4kCiti +3k Dis) to a new account and try to get 0% for a bit. Any ideas on what CC's might be having any good offers. I currently have

2x Cap 1 cards

1 Disco

2x (citi & Shell)

1 Chase

1 Khols

I try to keep things streamlined as you can see. For me its easier to have just a few cards with higher limits then worry about managing tons of different accounts. Thoughts???

Thanks

M_Smart007 · ‎08-15-2020

Right now is kind of a tough time to get a decent CL BT card,

you might look into joining a credit union.

AverageJoesCredit · ‎08-15-2020

Lol Penfed sent me a mailer for the PCR with a 12 month bt option at zero. I wouldnt get approved but it shows you maybe try Penfed?

NRB525 · ‎08-15-2020

What are the limits on your 2 CapOne cards? They typically do not have a BT fee.

If limits are sufficient, move the $4k from Citi to a CapOne card.

BT the Discover $3k to Citi.

BT the CapOne $4k to Discover.

Fees involved, in Citi and Discover if you don't use the Discover low rate offer, but limits are certain and no HP necessary.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Anonymous · ‎08-17-2020

Thanks

Anonymous · ‎08-17-2020

I got about 20k in cap1 between the two cards 0% usage.