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I never put in the BT request with the app just because of what you have said here. With Chase I know you can go for a CLI at time of opening if its not enough to satisfy your xfer requirement but the cost would be a 2nd hard.
I always wait until approval.
@Creditaddict wrote:I always wait until approval.
+1
The BT info that's collected at the time of application is only for your convenience. That information does not sway your chances for a higher CL. It's all going to be based on creditworthiness. If approved, and the CL is high enough, then you can then request your BT.
@FinStar wrote:
@Creditaddict wrote:I always wait until approval.
+1
The BT info that's collected at the time of application is only for your convenience. That information does not sway your chances for a higher CL. It's all going to be based on creditworthiness. If approved, and the CL is high enough, then you can then request your BT.
+2.
Personally, I like to wait till approval as well, if I am ever doing a BT.
I doubt it's going to increase the CL the lender is going to give you, but the paranoid side of me would worry about it adversely affecting the app instead, such as when a large BT amount is mentioned. Then again, most likely it's not going to affect anything.
@Scott90 wrote:
I don't want to risk doing the transfer info at time of app and they see I only want to transfer 4k so they give me a limit of only 5k when maybe if I applied without the transfer I would have got 10k. See what I mean? Anyone have experience with this?
I seriously doubt anyone has hard evidence of this. Your BT amount has nothing to do with the CL you're approved for. If the BT transfers are more favorable during application then you might want to do so. I always wait until approved. Even with an intro offer I don't want to max out a card.