Best Card for BT

[Anonymous]

Hi guys, I'm so happy to have found this board. I've been soaking up information for the past 2 weeks.

I'm looking for a new card and was wondering which one I should go with. My ultimate goal is transfer about 10k in balances.

My FICO 8 scores:
EX:745
TU: 716
EQ:740

Salary: 155k

I checked and have been pre-qualified for the Discover IT, Citi Diamond Preferred,Chase Slate and AMEX Everyday. Is there a better option out there?

Do all 4 cards charge deferred interest if I can't pay off the BT within their offer period? Which card would I have a higher chance of a higher starting CL?

Thanks in advace!!

[FinStar]

Scores alone aren't going to provide the whole picture to gauge what you'd potentially qualify for.

So that folks can provide better guidance, can you share some additional data points? Things like, what is your current utilization? AAoA? Any negative items? Oldest tradeline? What CCs or accounts do you currently have?

[Anonymous]

None will charge deferred interest if not paid by end of promotional period. As others have said, hard to comment on who/what without knowing your current CC’s, CLs, etc

[Anonymous]

I have $10k b/t  with 0% apr  for 12 months and then rewards platinum MasterCard with First Tech CU and with Ex Fico 8 of 732+ is top tier qualifying for upto 15k if DTI/ income support it. 

You should ez get $15k with first tech. 

I transferred balances of 

$10k on first tech

$5k on WF platinum 

$2.5k on Alliant 

$1k Discover 

$1100 slate

$3600 Fifth Third Bank 

thats a boat load with nearly$22.5k in 12 to 15 mos balance transfers on b/t cards between Jan-Mar 2018. 

[Anonymous]

Sorry about the lack of info.

My current utilization is at 37%. No negatives items. AAoA js 4.4 years.

Current cards are:
Cap 1 Journey: 5800/6000
Cap1 QS : 1300/3000
Cap1 Plat: 0/2850
Kays : 3000/6500
CreditOne :0/1600
Merrick : 0/2000
Various Store Cards : 0/5500

[Anonymous]

Also 1 HP in the past 24 months which was 6/17.