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Best CC for Balance Transfer

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SunriseEarth
Moderator Emeritus

Re: Best CC for Balance Transfer


@Anonymous wrote:

Can anyone tell me what good CC options for balance transfer? I have about 3k debt on my macy/amex card that I would like to transfer to pay off within 12-24 months without any interest. If app requirements are available, please let me know also.


Have you ever requested a CLI on either of your Macy's lines?   I'd highly recommend doing so and letting the new CLs post before applying.  IMHO, you'll probably have better luck with your store line than your AMEX line, but you may as well try both.  



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 21 of 24
Anonymous
Not applicable

Re: Best CC for Balance Transfer

Thanks. I requested a CLI for both lines and was approved. 1K increase on the store line and 800 on the AMEX.

Message 22 of 24
HeavenOhio
Senior Contributor

Re: Best CC for Balance Transfer

This brings you down to 24% on the Macy's account and 63% on the AMEX account. I think you're probably OK to apply. If you're denied, you can try again when your AMEX balance is in the $1,500 range.

Message 23 of 24
NRB525
Super Contributor

Re: Best CC for Balance Transfer

I think you should apply for a card.
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
Message 24 of 24
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