Balance Transfer Between Two NFCU Cards?

[Jazee]

One of my NFCU cards has a lower interest than the other.  I went on their website and looks like NFCU won't let you balance transfer between two NFCU cards.  Is there a way to get around this?  I saw some threads about requested to combined/merge accounts but then that would close one account I assume which will effect my average age of accounts and I'd have one less account to build more perfect payment history on.

[Jazee]

Looks like the only way would be if you have a non-NFCU card that had very low or now BT fee to use an intermediary.  Only other thing I can think of is can I get BT checks from NFCU and essentially write myself a check? I would imagine that would be considered a cash advance but the cash advance APR is very close to the BT APR on NFCU cards if I recall.

[GZG]

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@Jazee wrote:

One of my NFCU cards has a lower interest than the other.  I went on their website and looks like NFCU won't let you balance transfer between two NFCU cards.  Is there a way to get around this?  I saw some threads about requested to combined/merge accounts but then that would close one account I assume which will effect my average age of accounts and I'd have one less account to build more perfect payment history on.

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no, you'll need to BT the balance to a third card and move it back which means finding a 0% BT fee card to do it with, or eating 3-5% as a fee 

you can also request to have the APR on your card lowered if the card has been opened for longer than a year

[Jazee]

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@GZG wrote:

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no, you'll need to BT the balance to a third card and move it back which means finding a 0% BT fee card to do it with, or eating 3-5% as a fee 

you can also request to have the APR on your card lowered if the card has been opened for longer than a year

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Very few BT cards out there that are 0% transfer fee that aren't regional customers only I think?  Another strategy is to just only charge to one of the non-NFCU cards for a period then BT the run up on the balance to the NFCU card. You'd have to charge a lot on the card for a month or two (otherwise then you start paying a lot of extra interest).

Would it be best to request APR reduction first or CLI with NFCU? I've been with them almost 4 years. Fairly high UTI on the cards and FICO8 is low/mid 700's depending on the agency.