HELP! In-market- Balance Transfer

[Rackham94]

After a couple years in the garden, I am in search of a solid balance transfer card with 5-10k limit, 0% for 18-21 months. 

I had a couple solid offers come in the mail but want to double check with the experts before pulling the trigger.

Thanks,

Rackham

[Anonymous]

Not an expert but depending on your scores and reports, definitely look into the Citi Simplicity card with 21 months 0% interest. That's on initial purchases and balance transfers (which also includes direct deposit to your bank account at the BT rate)

[Rackham94]

Thanks for the quick reply, that is actually one of the cards I received an offer on. Does that offer any other benefits?

[Rackham94]

bump

[DoroLucky]

While I can't answer your question, I think your chance of getting more input is higher if you provide more info about your overall profile. Good Luck!

[Rackham94]

AAoA= 3.2 years

Highest CL: $20k

Util: 12%

[DoroLucky]

Is that across the board?

What about scores, baddies, etc.? I can tell you dislike typing LOL

[Rackham94]

Haha! I am wrapping up a couple things at work before I punch out for Memorial Day!! Woot Woot!

Yes, across the board. No baddies, last inquiry was 2015. 100% on-time payments. 1 Auto 1 Student (deferred) 

[Rackham94]

Scores; DCU Monthly Fico: 753

I believe they use TU or EQ

Exp: 762

[UncleB]

Just a note about Simplicity... others have reported that it's not able to be PC'd to a different card later on due to it's unique features (no late fee, etc.). 

The Diamond Preferred has a similar length on the balance transfer, and people have had luck changing it later on to a different card (i.e. Double Cash).

Of course if you believe you'll be happy keeping the Simplicity as-is once your BT is paid off this might not be a concern.