It's not a credit card but have you checked with your credit union about a personal loan or whatever they call their consolidation loans? It should reduce the APR%, granted not down to 0% but they might have different underwriting criteria than ELAN. If your goal is to get the credit card balance paid off with less interest, that might be a good option.
Hello -- I know this is not the suggestion you were looking for in your original post, but have you considered just biting the bullet and paying off the $7000 with some interest? It appears you make decent money ($100K). Running quick numbers, if you could swing a $655/mo payment, you'd pay this off in 12 months. Of course, you'd pay about $860/interest -- which nobody likes, but you have it paid off and be done. If you could afford more, it'd be that much quicker and less interest. ($850/mo would pay it off in 9 months with $650/interest) I suggest this because you've already noted that you've been declined due to "too many inquiries" this year. I'm afraid you'll rack up even more inquires and declines just trying to find an interest-free home for this $7000. As noted, Elan is a subsidiary of USBank and they provide credit card services to hundreds of credit unions and smaller regional banks that don't run their own cards. Also, consider what the coming year might bring (or not bring). You might really need a hard pull or two, depending on what the future holds and you'd have more time on your side and, your FICO scores "should" increase as you pay it off and get farther away from your inquiries. Just a suggestion. I wish you all the best. Good luck.
