Help with app BT

[juniornj23]

I really want to get a BT card here how my credit report and credit score
TU.699 no baddly no late payment 4years AAAoA 40% UTL
EQ 645 30 days late payments from 2014 1 charge off 42% UTL
My EX is look very close to my TU

56k year income
1 car payment
1 joint car payment
Credit karma said I have a good odds for chase freedom and Amex everyday
But I really want a balance transfer

[Anonymous]

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@juniornj23 wrote:
I really want to get a BT card here how my credit report and credit score
TU.699 no baddly no late payment 4years AAAoA 40% UTL
EQ 645 30 days late payments from 2014 1 charge off 42% UTL
My EX is look very close to my TU

56k year income
1 car payment
1 joint car payment
Credit karma said I have a good odds for chase freedom and Amex everyday
But I really want a balance transfer

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First it or what CK recommends.  It's purely marketing and not indicative of whether you'll be approved.  Your problem is going to be is that your utilization is too high.  Often when you need a BT card you can't get one because of the high utilization.  You can try for the Chase Slate but your credit situation is marginal so I'm not sure of your chances of success.  Having said that, I'd also take a look at the Quicksilver One from CapOne.

[juniornj23]

I have a QS1 for a year already I guess I will pay down my card. But just saying if I don't own any money to a cc why should I app for a BT card the reason people app for BT card is to transfer from the other card

[Anonymous]

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@juniornj23 wrote:
I have a QS1 for a year already I guess I will pay down my card. But just saying if I don't own any money to a cc why should I app for a BT card the reason people app for BT card is to transfer from the other card

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Well, people do app for BT cards before they have 40% + utilization.  Not saying it's impossible but banks don't like to see high utilization for any application and to them if you're applying for a BT card when your utilization is high you are more than likely to do the transfer and then just run up the other cards again.  Happens all the time and they're reluctant to take chances.  All you can do is try and apply.

[juniornj23]

Not I guess I will wait until my UTL go down until 10 or 15 % plus that will gave me time to 4 HP fall out I will be 1 year without HP. I also want to get into Credit union but I can find a local one

[Anonymous]

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@juniornj23 wrote:
Not I guess I will wait until my UTL go down until 10 or 15 % plus that will gave me time to 4 HP fall out I will be 1 year without HP. I also want to get into Credit union but I can find a local one

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You don't need a local one to join a good credit union.  Lots of great ones available for you to join online.  You should look into them.  As for the other chances of getting one, I don't want to come across as being negative.  I agree that it sorta makes no sense that these companies won't give out BT cards when you need one but sadly that's how it often works.  You could still try as one HP isn't going to hurt you.  All depends on what else they see in your file as the utilization is just one factor.