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Checked this morning and I'm qualified for 2 cards from Disco (it Cashback and Chrome). Looking to balance transfer some purchases to pay over time. Are their pre-qualifications pretty solid?
Considering btw the 2 cards, I'm looking at lenght of intro 0% apr and % fees on BT amount. On both cards the intro period is 14 months, fees are 3% of BT amount in first three months and then 5% after that.
I'm not really planning to use the card I pick for any purchases so points/redeemption value is irrelevant at this point. Any info or tips to help me choose between the two? Maybe even perhaps another card for BT option? I looked at Citi Simplicity but did not get a pre-qualified offer.
@Mv350 wrote:
IMHO you can pick either one you want, and change back and forth between the 2 every month if desired to do so. Your experience may be different, but I wasn't offered any BT until after my 6th statement cut, so be sure that it is part of the original card agreement. My fiancé was able to sign up for the Citi doublecash card and get a 0% BT for 9 months with 0 transfer fees. If it's BofA you are transferring from Amex BCE also has some offers right now, that could be a soft pull for you to qualify.
Citi always shows up as 5% transfer fee for me so that's not attractive. How did your fiance get a zero% offer?
Looking to transfer from Amex so no Amex or BOA BT cards for me.
looking to transfer 5k. didnt pre-qualify for Citi.
Do you know how much of SL they will let you use for BT? both for Citi and Disco? I dont remember seeing it in the small prints.
@AverageJoesCredit wrote:
Oh, and i never prequal for anything let alone Citi. Many dont. What are your current stats?
FICO 715. 37% uti on one Amex. 40% util on BOA. 10% on other Amex but hasnt reported yet.
All of my accounts are less than 1 year. No baddies.