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Balance transfer search

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Established Member

Balance transfer search

Hi all, I'm new to the forums and in desperate search of help... a bit overwhelmed...
I need to transfer a balance before I start getting hit with APR but way to many cards.. can you recommend a card with my scores?
CAP1Q 9.5K ~ DISCOVERit 16K ~ AMEX BCE 6K ~ CHASE 5K ~ CITI 6K ~ TARGET MC 5K ~ PENFED 6K
Starting Score: 620
Current Score: EX:723/TU:719/EQ:720
Goal Score: 760/760/760


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Message 1 of 32
31 REPLIES 31
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Regular Contributor

Re: Balance transfer search

AMEX ED - Easy to get if you have Amex CC already.

CHASE SLATE - keep in mind the 5/24 rule.

BANKAMERICARD - Not sure if easy to get.

 

All $0 Balance Fee Transfer of done within 60 days of opening Smiley Happy

Let us know what you decide on to do!


Message 2 of 32
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Community Leader
Super Contributor

Re: Balance transfer search

Welcome OP

What is your UT and what is the balance you are looking to transfer? Whatever 0% APR card you get you want it to have a large enough CL. Now if your present cards are maxed out, you may have a problem no matter what your scores are.

DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 3 of 32
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Established Member

Re: Balance transfer search

Thanks....
ATM my UT is at 38%. I'm trying to transfer the balance on my Discover IT before APR hits it which is 7K and while I'm at it my CAP1 which has a little under 1K.
Which card do you believe will offer the highest CL for a blanace transfer?
CAP1Q 9.5K ~ DISCOVERit 16K ~ AMEX BCE 6K ~ CHASE 5K ~ CITI 6K ~ TARGET MC 5K ~ PENFED 6K
Starting Score: 620
Current Score: EX:723/TU:719/EQ:720
Goal Score: 760/760/760


Take the myFICO Fitness Challenge
Message 4 of 32
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Super Contributor

Re: Balance transfer search


@DianneRoq wrote:
Hi all, I'm new to the forums and in desperate search of help... a bit overwhelmed...
I need to transfer a balance before I start getting hit with APR but way to many cards.. can you recommend a card with my scores?

 

Best balance transfer cards are credit union platinum cards with no balance transfer fees.


Total revolving limits 653000 (575000 reporting)

Message 5 of 32
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Established Member

Re: Balance transfer search

I'm not familiar with credit union cards. Do you recommend any, that I can research?
CAP1Q 9.5K ~ DISCOVERit 16K ~ AMEX BCE 6K ~ CHASE 5K ~ CITI 6K ~ TARGET MC 5K ~ PENFED 6K
Starting Score: 620
Current Score: EX:723/TU:719/EQ:720
Goal Score: 760/760/760


Take the myFICO Fitness Challenge
Message 6 of 32
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Community Leader
Valued Contributor

Re: Balance transfer search


@DianneRoq wrote:
I'm not familiar with credit union cards. Do you recommend any, that I can research?

Are you past military or are any members of your immediate family have military affiliation?

 FICO 8
Message 7 of 32
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Established Member

Re: Balance transfer search

No, nobody in my family has any affiliations...
CAP1Q 9.5K ~ DISCOVERit 16K ~ AMEX BCE 6K ~ CHASE 5K ~ CITI 6K ~ TARGET MC 5K ~ PENFED 6K
Starting Score: 620
Current Score: EX:723/TU:719/EQ:720
Goal Score: 760/760/760


Take the myFICO Fitness Challenge
Message 8 of 32
Highlighted
Super Contributor

Re: Balance transfer search


@DianneRoq wrote:
No, nobody in my family has any affiliations...

PenFed would be a good place to start then. 




Message 9 of 32
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Community Leader
Valued Contributor

Re: Balance transfer search


@DianneRoq wrote:
No, nobody in my family has any affiliations...

Well there goes my recommendation.

 

Have you ever had an increase on your 6k Amex card?  What card is it?  Since you are newer here then I am not sure if you are aware that  Amex is well known to hand out 3x credit limit increases.  With that 6k you have now, that could turn into 18k in a matter of minutes.  Then I would apply for the Everyday card as mentioned in another post.  Even if you get a lower credit line, you can move the credit limit over from your 18k card to the Everyday.  Don't pull the trigger on this yet though.  I do like the idea of having a credit union card that you can keep forever.  Let the others respond with more recommendations.

 FICO 8
Message 10 of 32
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