Easiest Approval Balance Transfer Card?

[loviedovie]

Hi fellow credit nerds!

What BT card should I go for with this credit profile?: 

Equifax FICO 745 

Current Cards, Balances & Limits:

 **Chase Saphire Preferred    $15,200 balance/$27,200 limit

 - Citi TYP                                   $0 balance/$10,700 limit

 - CareCredit                              $0 balance/$8,300 limit

 - Nordstrom                              $0 balance/$8,000 limit

 - Banana Republic                   $0 balance/$5,050 limit

 - Macy's                                     $0 balance/$5,000 limit

[Anonymous]

Navy Platinum

Discover, check their prequal

[K-in-Boston]

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@loviedovie wrote:

FICO 745 (credit score 680)

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This line was a bit confusing and depending on the models those can either be fair, okay, good, or very good.  For FICO 8, which is the most commonly used scoring model (and you have a score for each bureau), there can be a world of difference between 680 and 745.  Do you know your FICO 8 scores for Equifax, Experian , and TransUnion by chance?  Citi should provide you with a FICO 8 Bankcard Enhanced Equifax score which isn't quite the same as a regular 8, but should give us some idea.  You can get a free Experian FICO 8 score at creditscorecard.com even without being a Discover customer.

How old are your youngest and newest cards?  How many credit cards have you opened in the past 24 months?  12 months?  Any late payments, collections, bankruptcies?

[loviedovie]

Thanks @K-in-Boston good questions!

My Citi FICO (Equifax) is 745 but CreditKarma says I have a 680 credit score? I don't understand that..

Credit History: 

   -   126 months of on-time payments. I have never had a single late payment. No collections, no nothing. 

   -    My oldest card was opened in 2011 and my youngest in 2014. 

I DID lease my car last November so that has $12k left on the next 3 years, they pulled my credit twice for that I was so mad. 

That's it! Thank you for your help!!!

[K-in-Boston]

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@loviedovie wrote:

Thanks @K-in-Boston good questions!

My Citi FICO (Equifax) is 745 but CreditKarma says I have a 680 credit score? I don't understand that..

Credit History: 

   -   126 months of on-time payments. I have never had a single late payment. No collections, no nothing. 

   -    My oldest card was opened in 2011 and my youngest in 2014. 

I DID lease my car last November so that has $12k left on the next 3 years, they pulled my credit twice for that I was so mad. 

That's it! Thank you for your help!!!

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Okay, the Citi score is Equifax FICO 8 Bankcard Enhanced (which uses different criteria and goes to 900 instead of 850 like a regular FICO 8 score).  Credit Karma provides VantageScore 3.0 scores which are not really used for credit applications.  Sounds you don't have a lot going on at all for credit seeking other than the car, so the key would just be to find out what yours real FICO scores are, then who is lenient for having a single card with high utilization.  Are you eligible for NFCU membership?

[loviedovie]

Thanks again @K-in-Boston! Thanks also @Anonymous  but I don't qualify for any military credit unions. My people are all civilians. 

Sounds like my best bet is to figure out who is most lenient for a single card with high utilization? 

[cahoot2005]

Might want to check out NIHFCU.  2% BT fee, 15 Months 0%.  Good opportunity to start a relationship with a CU instead of a big boy....diversify!  You can get in with a membership to American Consumer Council (great deal), hard pull for membership, but they let you use the same pull for multiple products.

[Harvey26]

@cahoot2005  I joined NIH FCU and didnt incur a HP until I applied for a loan with them. 

[cahoot2005]

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@Harvey26 wrote:

@cahoot2005  I joined NIH FCU and didnt incur a HP until I applied for a loan with them. 

How long ago did you join?

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[Harvey26]

@cahoot2005  08/11/20