BT Card with Long Term Value

[CreditSage]

Do you know the different between the discover it cash back and the discover it bt? They look the same to me.. am I missing something? It's for sure a good option although not sure how much I want to pay attention to rotating categories. 

[CreditInspired]

---

@CreditSage wrote:

Freedom Unlimited looks ineresting.. is the 12 month wait a hard and fast rule? I was hoping for the CSP before then. Also, how are their SL usually?

---

IMHO, I think because you have a thin credit file, your SL would be on the low end for the Freedom Unlimited.

I dont think you would be approved for the CSP at this time due to limited credit history (2CCs).

Prior to applying for any CCs, definitely do a prequal before pulling the trigger. 

[CreditSage]

---

@CreditInspired wrote:

---

@CreditSage wrote:

Freedom Unlimited looks ineresting.. is the 12 month wait a hard and fast rule? I was hoping for the CSP before then. Also, how are their SL usually?

---

IMHO, I think because you have a thin credit file, your SL would be on the low end for the Freedom Unlimited.

I dont think you would be approved for the CSP at this time due to limited credit history (2CCs).

Prior to applying for any CCs, definitely do a prequal before pulling the trigger. 

---

I closed a secured capital one CC last week.. did that put me in thin file territory? OR, do closed accounts factor into file thickness/thinness? I have one fully paid off car loan, one closed cc, and two charged off badies which I settled years back.. thanks in advance!

Also, do AU accounts factor into 5/24 or AoYA? 

[tcbofade]

DW just picked up a Citi DC for exactly this reason... 18 months 0% on BTs AND purchases.  Right now, we're carrying a balance on it, but when paid off, it'll be a semi useful 2% cashback card.  

[CreditSage]

The Citi DC looks like a good option and 2% is pretty good. 

[CreditSage]

---

@Anonymous wrote:
Discover has a 18 month 0% BT offer with 3% fee and 6 months 0% purchase apr. That may be what u are looking for. Card also have cashback match the first year and rotating 5% categories.

Just google discover 18 month balance transfer offer and apply from the link through nerd wallet.

---

@mr_suave

Why do you suggest the link through nerdwallet instead of direct with issuer? The reason I ask, I applied for Chase prequal through nerdwallet yesterday (they asked for Social, birthday, etc.) and was approved however direct through Chase I was not approved. I posed this situation to the community and they said nerdwallet prequalifications are fluff/nonesense. I see you are specifically calling out nerdwallet so I wanted to get your take/experience on this. Thanks!

[CreditSage]

Update: https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Chase-Freedom-Approved-678-FICO-8/td-p/572401...

went with Chase Freedom but SL is too low to actually be useful as a BT :/

---

@CreditSage wrote:

What's a good BT card with long term value? I'd like to transfer some high interest (16%) debt to a 0% card. If there is a 0% purchase APR as well that would be great. If I am takign a HP and having to take on an additional card I'd like it to have long term value either through PC or some other form. A goal card of mine is CSP so perhaps a Chase BT card?

Here are my current cards:

NFCU Amex (which has the debt)

Capital One Quicksilver

BankAmericard 

Thankson advance for the help.

---